Lead Software Architect - Payment Systems

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.  
• 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.
• 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.
• Proven ability to translate business requirements into scalable technical solutions.

 

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.

Experience Level

Senior Level