Lead Architect

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As a Lead Architect at JPMorgan Chase within the Consumer & Community Banking Team, you are an integral part of a team that works to develop high-quality architecture solutions for various software applications on modern cloud-based technologies. As a core technical contributor, you are responsible for conducting critical architecture solutions across multiple technical areas within various business functions in support of project goals.

Job responsibilities

Lead the architecture, design, and roadmap for payment processing platforms, ensuring alignment with business objectives and industry best practices.
Collaborate with product managers, engineering, security, and operations teams to define requirements, prioritize features, and deliver robust solutions.
Design and document end-to-end solutions for real-time transaction processing, fraud detection, risk management, and integration with external Payment networks.
Leverages enterprise-authorized AI capabilities within the work environment to accelerate architecture discovery and decisioning, with human-in-the-loop validation and appropriate handling of sensitive data.
Establishes reuse-first AI-enabled engineering patterns and governance across SDLC/toolchain practices, ensuring traceability/auditability, resiliency, and security controls.
Evaluate and select appropriate technologies, frameworks, and patterns to meet scalability, reliability, and performance goals.
Ensure compliance with PCI DSS, data privacy, and other relevant regulations.
Drive innovation by staying current with industry trends, emerging technologies, and regulatory changes in the payments space.
Leads evaluation sessions with external vendors, startups and internal teams to drive outcomes-oriented probing of architectural designs, technical credentials, and applicability for use within existing systems and information
Defines the technical target state of their product and drives achievement of the strategy
Participates in the architecture governance process, incorporates feedback, and evaluates engineering deliverables to ensure alignment with the agreed design.

Required qualifications, capabilities, and skills

Formal training or certification on software engineering concepts and 5+ years applied experience.
Strong understanding of payment flows, transaction lifecycle, and integration with payment networks.
Hands-on experience with API design, microservices, cloud platforms (AWS), and event-driven systems.
Experience applying enterprise-authorized AI capabilities within the work environment in software engineering and architecture workflows with strong validation habits and awareness of data sensitivity.
Ability to evaluate and integrate AI-enabled capabilities into cloud-native architectures while meeting resiliency, security, and auditability requirements.
Proven experience in modernizing legacy platforms and migrating them to cloud-based architectures, including assessment, design, and implementation.
Solid understanding of architectural patterns that support non-functional requirements (NFRs) such as resiliency, high availability, and low latency.
Experience designing and implementing active-active applications for continuous service and fault tolerance.
Ability to create and interpret architecture diagrams for system and component-level design documentation.
Familiarity with security standards (PCI DSS), fraud and risk management, and regulatory compliance.
Excellent communication, leadership, and stakeholder management skills.

Preferred qualifications, capabilities, and skills

Experience with large-scale financial systems or high-availability transaction processing.
Prior experience working with international payment schemes and multi-region deployments.