Senior Lead Architect - Client/Merchant Onboarding

JPMorgan Chase & Co.•Plano, TX

About The Position

As a Senior Lead Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you are an integral part of a team that works to develop high-quality architecture solutions for software applications and platform products. You drive significant business impact and help shape the target-state architecture through your capabilities across multiple architecture domains — bringing technical depth, strategic thinking, and a passion for innovation to everything you do.

Requirements

Formal training or certification on architecture concepts and 5+ years applied experience
Hands-on practical experience delivering system design, application development, testing, and operational stability at enterprise scale
Advanced proficiency in one or more programming languages with deep expertise in software architecture, applications, 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 enterprise-grade architectures while meeting resiliency, security, and auditability requirements
Ability to tackle design and functionality problems independently with little to no oversight
Ability to evaluate current and emerging technologies to select or recommend the best solutions for future-state architecture
Strong judgment and communication skills to influence technical direction across teams and present recommendations to senior stakeholders

Nice To Haves

Strategic mindset in shaping onboarding transformation for payments businesses, including digital onboarding, client self-service experiences, and partner integrations
Solid understanding of acquiring payments onboarding and complex client setup models, including integrators, franchise arrangements, and payment facilitators
Solid understanding of onboarding lifecycle steps including Know Your Customer (KYC), credit assessment, risk evaluation, and compliance screening
Experience designing scalable, API-first architectures that support complex multi-party payment ecosystems and partner connectivity
Familiarity with identity and access management patterns in the context of client onboarding and partner integration workflows

Responsibilities

Represent a product family in technical governance bodies and propose improvements to architecture governance practices that raise the bar across the organization
Provide regular technical guidance and direction to support the business and its technical teams, contractors, and vendors
Leverage enterprise-authorized AI capabilities within the work environment to accelerate architecture analysis and decisioning across the product family, with human-in-the-loop validation and appropriate handling of sensitive data
Guide the evaluation of current and emerging technologies using established standards and frameworks, influencing peers and decision-makers to adopt leading-edge solutions where appropriate
Drive decisions that influence product design, application functionality, and technical operations and processes
Develop secure, high-quality production code and review and debug code written by others to uphold engineering excellence
Serve as a function-wide subject matter expert and contribute to the engineering community as an advocate of firmwide software development lifecycle frameworks and practices
Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
Shape and influence the digital transformation strategy for payments onboarding, including client self-service experiences and partner integrations