Principal Architect - Digital Architecture for Payments
JPMorgan Chase6 hours ago
Base Salary
$176k - $260k/yr
Responsibilities
- Define the digital architecture strategy and target state for Merchant Payments.
- Drive digital transformation across digital onboarding, client self-service, partner integration, and omnichannel commerce.
- Architect headless checkout and commerce solutions spanning web, mobile, in-store, and partner channels.
- Lead API standards, design-first practices, lifecycle management, governance, and partner/developer experience.
- Establish web and mobile framework development practices and governance.
- Advise senior business and technology stakeholders on architecture options and paths to market.
- Translate product strategy into technical delivery roadmaps, milestones, and engineering workstreams.
- Modernize platform capabilities and influence architecture governance, standards, patterns, and reusable capabilities.
- Evaluate external vendors, fintechs, startups, and internal solutions for architecture and fit.
- Mentor and influence architects and engineers to improve architecture maturity.
Requirements
- Formal training or certification in software engineering concepts and 10+ years of applied experience, including significant architecture leadership.
- Strong executive communication, leadership presence, and ability to influence stakeholders in complex matrixed organizations.
- Proven digital transformation experience in payments or financial services.
- Strong experience with agentic commerce, headless commerce, and eCommerce and omnichannel checkout architectures.
- Deep hands-on experience with web architecture, modern web frameworks, and mobile frameworks.
- Expertise in API standards, functional design, lifecycle management, and governance.
- Experience establishing AI standards, design, and governance.
- Strong IAM experience, including OAuth, OIDC, SSO, federation, and partner integration through APIs and web.
- Understanding of acquiring and merchant-services payments, including in-store and eCommerce payment flows.
- Hands-on experience with cloud-native architecture and delivery.
- Experience as a functional business/product architect translating requirements into designs and technical roadmaps.
- Strong knowledge of domain modeling, business process flows, client journeys, and use cases.
- Preferred: POS experience; AWS, Azure, or GCP cloud certification; payment-industry standards and security requirements such as PCI DSS, EMV, and tokenization; business capability models and feature taxonomies.
Benefits
- Competitive total rewards package with benefits determined by eligibility, role, experience, skill set, and location.
- Health care coverage, on-site health and wellness centers, retirement savings plan, backup childcare, tuition reimbursement, mental health support, and financial coaching.
- Eligible roles may include commission-based pay and/or discretionary incentive compensation.
- JPMorganChase is an equal opportunity employer and provides reasonable accommodations.
Tech Stack
Categories
About JPMorgan Chase
JPMorgan Chase provides consumer and commercial banking, payments, credit card, wealth management, and corporate and investment banking services to individuals, businesses, institutions, and governments. The public company (NYSE: JPM) earns revenue from interest, fees, trading, and asset management across operations in more than 100 markets. Headquartered in New York City with roots dating to 1799, it serves retail customers and prominent corporate and government clients through brands including Chase and J.P. Morgan.