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Principal Architect - Digital/ AI
lead · Technology / Software Development
Step into the role of a Principal Architect at JPMorganChase and become a driving force behind the development and adoption of cutting-edge, cloud-based technologies. In this role, you will have the opportunity to shape the architectural direction of the firm, influence technology decisions at the highest levels, and leave a lasting impact on how we build and scale solutions globally.
As a Principal Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you provide deep expertise to enhance and evolve architecture platforms grounded in modern cloud-based technologies, while supporting the adoption of strategic global solutions. You will collaborate across the organization, apply your advanced architecture capabilities, and serve as a trusted advisor to engineering and business leaders — driving best-in-class outcomes that are secure, scalable, and built for the future.
Job responsibilities
- Advise cross-functional teams on technology selection to achieve target-state architecture and guide decisions on improvements to current and emerging technologies
- Develop multi-year technology roadmaps aligned with business strategy, architecture priorities, and digital transformation goals — with a focus on payments, client onboarding, and self-service experiences
- Apply enterprise-authorized AI capabilities within architecture and engineering workflows to accelerate analysis, roadmap development, and design decisioning, with human-in-the-loop validation and appropriate handling of sensitive data
- Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
- Create complex and scalable coding frameworks using appropriate software design principles, focusing on durability and reuse to improve velocity and quality across teams and functions
- Develop secure, high-quality production code and review and debug code written by others to uphold engineering excellence
- Serve as the team's go-to subject matter expert and contribute to the development of technical methods in specialized fields, in line with the latest product development methodologies
- Shape and influence the digital transformation strategy for payments, including digital onboarding, client self-service experiences, partner integrations, and developer experience platforms
- Define and govern API standards, functional design, and integration patterns to enable scalable, secure, and interoperable solutions across internal and external ecosystems
Required qualifications, capabilities, and skills
- Formal training or certification on architecture concepts and 10+ years applied experience
- Hands-on practical experience delivering system design, application development, testing, and operational stability at enterprise scale
- Expertise in one or more programming languages with a strong foundation in software engineering principles
- Deep knowledge of software, applications, and architecture — including advanced software architecture, application development, and technical processes within one or more disciplines (e.g., cloud, artificial intelligence, machine learning, mobile)
- Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity
- Ability to evaluate and integrate AI-enabled capabilities into scalable platforms while meeting resiliency, security, and auditability requirements
- Experience applying expertise and new methods to determine solutions for complex architecture problems across one or more technical disciplines
- Experience leading a product as a product owner or product manager
- Ability to present and effectively communicate complex technical concepts to senior leaders and executives
Preferred qualifications, capabilities, and skills
- Strategic mindset in shaping digital transformation for payments businesses, including digital onboarding, client self-service experiences, partner integrations, and developer experience platforms
- Strong experience with web developer frameworks, web architecture, and mobile frameworks
- Strong experience in API design and governance, including API standards, functional architecture, and lifecycle management
- Strong experience in identity and access management, including partner integration via APIs or web-based protocols
- Strong experience in acquiring and merchant services payment ecosystems, including processing flows, settlement, and integration patterns