Principal Architect - Digital/ AI

Job Description

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

About Us

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. 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.

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

About the Team

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.