Senior Lead Architect - Client/Merchant Onboarding

Short Job Description (Max 135 characters) Drive high-impact architecture solutions and shape target-state technology strategy across payments and beyond.

Job Description

If you are excited about shaping the future of technology and driving significant business impact in financial services, we are looking for people just like you. Join our team and help us develop game-changing, high-quality solutions that redefine how clients experience financial services.

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.

Job 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

Required qualifications, capabilities, and skills

• 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

Preferred qualifications, capabilities, and skills

• 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