Sr. Director of Software Engineering - Payment Network

J.P. Morgan; New York (NY); On-site; USD 250,000 - 350,000; Full time

Job summary

JPMorganChase in New York seeks a Senior Director of Software Engineering within Consumer & Community Banking to lead multiple technical areas and align activities across departments. You will guide the adoption of advanced methods across teams to keep the firm at the forefront of technology trends.

Responsibilities include defining architectural best practices, overseeing payment network design, and driving AI-enabled SDLC governance while partnering with senior leaders to meet firmwide

Qualifications

• Formal training or certification in software engineering and 10+ years of experience.
• 5+ years of experience leading cross-functional teams.

Responsibilities

• Lead multiple technology and process implementations across departments.
• Drive design of core payment network capabilities from POC to implementation.
• Define architectural standards across lines of business ensuring security and scalability.
• Own architecture for payment processing including authorizations, tokenization, fraud/risk, and settlement.
• Set strategy for AI-enabled engineering and SDLC automation with governance.
• Guide enterprise-wide toolchain usage and cross-domain reuse.
• Provide high-level leadership to teams and interface with senior leaders.

Skills

Payment networks

AI/ML risk

Cloud-native

Leadership

Stakeholder mgmt

Job description

Your opportunity to make a real impact and shape the future of financial services is waiting for you. Let’s push the boundaries of what's possible together.

As a Senior Director of Software Engineering at JPMorganChase within Consumer & Community Banking, you lead multiple technical areas, manage the activities of multiple departments, and collaborate across technical domains. Your expertise is applied cross-functionally to drive the adoption and implementation of technical methods within various teams and aid the firm in remaining at the forefront of industry trends, best practices, and technological advances.

Job responsibilities

• Leads multiple technology and process implementations across departments to achieve firmwide technology objectives
• Drive engineering design of core payment network capabilities through POC and initial implementations spanning the payment network, interfaces, data flows from merchant through both our issuing platforms.
• Define and enforce architectural best practices, standards, and guidelines across multiple lines of business ensuring security, scalability, and regulatory compliance.
• Own the Architect of our payment network processing, including transaction authorizations, tokenization, dispute management, Fraud/Risk processing, Identity, settlement and more
• Directly manages multiple areas with strategic transactional focus
• Sets and scales multi-department strategy for agentic AI-enabled engineering and SDLC/TLM automation (using enterprise-authorized tools within the work environment) to drive firmwide objectives (speed, scalability, reliability, and cost-to-serve), including portfolio-level standards for AI-orchestrated delivery workflows, release governance, automated test modernization, resilience engineering, and incident response acceleration; establishes guardrails for validation, security, resiliency, traceability, and reuse.
• Applies knowledge of tools within the Software Development Life Cycle toolchain, including enterprise-authorized AI-assisted development and automation capabilities, to drive cross-domain reuse and measurable capacity unlock outcomes across departments.
• Provides leadership and high-level direction to teams while frequently overseeing employee populations across multiple platforms, divisions, and lines of business
• Acts as the primary interface with senior leaders, stakeholders, and executives, driving consensus across competing objectives
• Manages multiple stakeholders, complex projects, and large cross-product collaborations
• Influences peer leaders and senior stakeholders across the business, product, and technology teams

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 10+ years applied experience. In addition, 5+ years of experience leading
• Deep expertise in end-to-end payment network processes: authorizations, tokenization, VAS, disputes, clearing, settlement, and fraud management across merchant, acquirers, and issuers
• Experience working with Business, Legal and Compliance to ensure the systems meet regulatory, compliance and business goals.
• Track-record of working with abstract emerging technologies / trends (e.g., agentic payments, AI/ML fraud detection, blockchain), shaping design and innovation.
• Experience developing or leading large or cross-functional teams of technologists
• Demonstrated prior experience influencing across highly matrixed, complex organizations and delivering value at scale
• Experience leading multi-organization adoption of agentic AI-enabled engineering operating models (using enterprise-authorized tools within the work environment), including defining governance (human-in-the-loop decisioning, quality gates), measurement frameworks, and secure handling of sensitive inputs/outputs across teams.
• Deep understanding of responsible AI risk, controls, and resiliency/security expectations at scale, with demonstrated ability to advise senior leaders on safe adoption, portfolio governance, and reuse-first strategies.
• Experience leading complex projects supporting system design, testing, and operational stability
• Experience with hiring, developing, and recognizing talent
• Extensive practical cloud native experience

Preferred qualifications, skills, and capabilities

• Recognized thought leader and innovator with demonstrated industry eminence
• Experience at payment network, acquirer or related industry / company helpful.

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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. These benefits include 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. Additional details about total compensation and benefits will be provided during the hiring process.

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.

Equal Opportunity Employer/Disability/Veterans

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction. Direct multiple technical areas, manage the activities of multiple departments, and collaborate across technical domains