Principal Architect - Digital Architecture for Payments

Job Description

Job Description

Shape the future of digital commerce and payments at one of the world's largest merchant acquirers. Lead digital transformation strategy and target-state architecture for Merchant Payments across web, API, headless checkout, commerce, and mobile experiences. Act as a senior technical leader and trusted advisor to business, product, and technology executives. Stay hands-on in design and solutioning, turning strategy into scalable, secure, cloud-native platforms.

As a Director of Architecture at JPMorganChase within the Commercial & Investment Bank Payments, you will define the target-state digital architecture for Merchant Payments and lead the digital transformation strategy and target-state architecture for Merchant Payments across web, API, headless checkout, commerce, and mobile experiences.. You will serve as a trusted technical advisor to senior business and technology leaders, bridging strategy and execution to deliver scalable, secure, cloud-native platforms. This role sits at the intersection of product, engineering, and business - where your architecture decisions will directly shape how merchants and partners experience payments at global scale.

Job responsibilities
Define and drive the digital architecture strategy and target state for Merchant Payments products, aligned to business goals and go-to-market plansShape and execute the digital transformation roadmap, covering digital onboarding, client self-service, partner integration, and omnichannel commerceArchitect headless checkout and commerce solutions that connect web, mobile, in-store, and partner channelsLead API strategy, including API standards, design-first practices, governance, and partner and developer experienceEstablish web and mobile framework developer practices and governancePartner with business and technology stakeholders to assess needs, propose design options, and recommend the best path to marketBuild trusted relationships with senior business and technical decision makers, both internal and client-facing, and provide thought leadershipBreak product strategy down into technical delivery roadmaps, milestones, and executable workstreams for engineering teamsFind opportunities to modernize platform capabilities alongside business initiatives. Contribute to and influence architecture governance forums, championing standards, patterns, and reusable capabilitiesLead evaluations of external vendors, fintechs, startups, and internal solutions, assessing architecture, technical credentials, and fit. Mentor and influence architects and engineers across teams to raise architecture maturity
Required qualifications, capabilities, and skills
Formal training or certification on software engineering concepts and 10+ years applied experience, including significant architecture leadership with software patterns and principlesStrong executive communication and leadership presence, with the ability to influence senior stakeholders and steer outcomes in complex, matrixed organizationsProven track record shaping digital transformation in payments or financial services, such as digital onboarding, client self-service, developer experience, and partner integrationStrong experience with agentic commerce, headless commerce, and checkout architectures for eCommerce and omnichannel merchant experiencesDeep hands-on experience with web architecture, modern web frameworks, and mobile frameworksExpertise in APIs, including API standards, functional design, lifecycle management, and governanceExperience in establishing AI standards, design, and governanceStrong experience in Identity and Access Management (IAM), including partner integration through APIs and web (e.g., OAuth, OIDC, SSO, federation)Solid understanding of acquiring and merchant services payments, including in-store and eCommerce payment flows. Practical, hands-on experience with cloud-native architecture and deliveryExperience as a functional (business/product) architect who can turn business requirements into designs and technical delivery roadmaps. Strong grasp of domain modeling, business process flows, client journeys, and use cases
Preferred qualifications, capabilities, and skills
Point of Sale (POS) experienceCloud certification (e.g., AWS, Azure, GCP)Experience with payment industry standards and security requirements (e.g., PCI DSS, EMV, tokenization)Understanding of business capability models and feature taxonomies

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.