Senior Lead Architect - Commercial Card Payments Technology

Next Frontier Capital; Chicago (IL); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorganChase invites applications for a Senior Lead Architect in Payments Technology – Commercial Card. You will shape target state architecture across cloud, data, and AI-adjacent systems, partnering with product and engineering to define architecture and guide critical capabilities.

You will contribute hands-on design and implementation of secure, scalable solutions, drive technology strategy, and mentor teams while advancing AI-enabled development within a regulated environment.

Qualifications

• Formal training or certification on software engineering concepts and 5+ years applied experience.
• Strong hands-on experience delivering system design, application development, testing, and operational stability.
• Advanced proficiency in one or more programming languages, platforms, or architectural styles.
• Solid knowledge of software architecture, application design, and technical processes, with depth in one or more domains (e.g., cloud, distributed systems, data, AI/ML-adjacent architectures).
• Ability to independently solve complex design and functionality problems with limited oversight.
• Practical experience building and operating cloud-native solutions.
• Ability to evaluate current and emerging technologies—including AI-assisted development and automation tools—and recommend solutions aligned to architecture goals.
• Demonstrated commitment to teamwork, inclusion, and mentoring less-experienced engineers.
• Comfort working in AI-augmented development environments to accelerate design, coding, testing, and analysis.

Responsibilities

• Represent Commercial Card platforms or product areas in architecture and technical governance forums
• Provide feedback on architecture standards and propose improvements, including guardrails for AI usage and automation in regulated environments
• Guide evaluation of existing and emerging technologies, including AI‑assisted development tools and intelligent platform capabilities
• Provide technical guidance to engineering teams, product partners, contractors, and vendors, enabling AI‑augmented engineering workflows
• Design, develop, review, and debug secure, high‑quality production code, including reference implementations and architectural patterns
• Influence decisions related to product design, application behavior, and technical implementation approaches, focusing on scalability, resiliency, and intelligent automation
• Serve as a recognized subject‑matter expert within a defined domain or capability area
• Advocate firm‑approved frameworks, tools, AI‑enabled SDLC practices, and continuous improvement within the engineering community
• Influence peers and stakeholders to consider modern, fit‑for‑purpose technologies, patterns, and delivery models
• Promote a culture of collaboration, inclusion, continuous learning, technical excellence, and responsible adoption of AI

Job description

If you are excited about shaping the future of technology and driving significant business impact in financial services, we are looking for people just like you. Join our team and help us develop game-changing, high-quality solutions.

As a Senior Lead Architect at JPMorganChase within Payments Technology – Commercial Card, you are an integral part of a team that develops high-quality architecture solutions for modern, scalable, resilient, and AI‑enabled payment platforms. You partner closely with product and engineering teams to define architecture, guide technical decisions, and contribute hands‑on to the design and implementation of critical Commercial Card capabilities. Your expertise drives meaningful business outcomes and helps shape the target state architecture across cloud, data, and AI‑adjacent systems.

Job responsibilities

• Represent Commercial Card platforms or product areas in architecture and technical governance forums
• Provide feedback on architecture standards and propose improvements, including guardrails for AI usage and automation in regulated environments
• Guide evaluation of existing and emerging technologies, including AI‑assisted development tools and intelligent platform capabilities
• Provide technical guidance to engineering teams, product partners, contractors, and vendors, enabling AI‑augmented engineering workflows
• Design, develop, review, and debug secure, high‑quality production code, including reference implementations and architectural patterns
• Influence decisions related to product design, application behavior, and technical implementation approaches, focusing on scalability, resiliency, and intelligent automation
• Serve as a recognized subject‑matter expert within a defined domain or capability area
• Advocate firm‑approved frameworks, tools, AI‑enabled SDLC practices, and continuous improvement within the engineering community
• Influence peers and stakeholders to consider modern, fit‑for‑purpose technologies, patterns, and delivery models
• Promote a culture of collaboration, inclusion, continuous learning, technical excellence, and responsible adoption of AI

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 5+ years applied experience
• Strong hands‑on experience delivering system design, application development, testing, and operational stability
• Advanced proficiency in one or more programming languages, platforms, or architectural styles
• Solid knowledge of software architecture, application design, and technical processes, with depth in one or more domains (e.g., cloud, distributed systems, data, AI/ML‑adjacent architectures)
• Ability to independently solve complex design and functionality problems with limited oversight
• Practical experience building and operating cloud‑native solutions
• Ability to evaluate current and emerging technologies—including AI‑assisted development and automation tools—and recommend solutions aligned to architecture goals
• Demonstrated commitment to teamwork, inclusion, and mentoring less‑experienced engineers
• Comfort working in AI‑augmented development environments to accelerate design, coding, testing, and analysis

Preferred qualifications, capabilities, and skills

• Experience designing or modernizing commercial card or payments systems, including issuing, authorization, clearing, settlement, or posting flows
• Working knowledge of card processing ecosystems, including processors, card networks, tokenization, and integration patterns
• Experience contributing to fraud prevention or risk solutions, including rules‑based or data‑driven approaches
• Familiarity with ledger concepts, posting models, reconciliation, and data consistency in distributed systems
• Exposure to platform modernization initiatives, such as legacy transformation, cloud migration, or API enablement
• Experience with API‑led and event‑driven architectures, including microservices and asynchronous messaging
• Understanding of resiliency and scalability patterns, including multi‑AZ or multi‑region designs

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility.

• comprehensive health care coverage
• on-site health and wellness centers
• a retirement savings plan
• backup childcare
• tuition reimbursement
• mental health support
• financial coaching
• and more

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. Shape the future of payments with AI-driven, scalable solutions as a Senior Lead Architect in Commercial Card Technology.