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# Principal Architect - Digital Architecture for Payments

- **Company:** JPMorgan Chase & Co.
- **Location:** Plano, TX, United States
- **Experience:** Expert
- **Contract:** Permanent contract
- **Skills:** Adobe InDesign, Application Programming Interfaces (APIs), Artificial Intelligence, Amazon Web Services, Microsoft Azure, Cloud Computing, Digital Architecture, Identity and Access Management, OAuth, OpenID, PCI Data Security Standards, Single Sign-On, Software Engineering, Web Application Frameworks, Google Cloud, Cloud Platform System, Web Architecture
- **Published:** November 6, 2026
- **Apply:** https://www.jobmonkeyjobs.com/career/28165354/Principal-Architect-Digital-Architecture-For-Payments-Texas-Plano-7463

## About the Role

* Formal training or certification on software engineering concepts and 10+ years applied experience, including significant architecture leadership with software patterns and principles
 * Strong executive communication and leadership presence, with the ability to influence senior stakeholders and steer outcomes in complex, matrixed organizations
 * Proven track record shaping digital transformation in payments or financial services, such as digital onboarding, client self-service, developer experience, and partner integration
 * Strong experience with agentic commerce, headless commerce, and checkout architectures for eCommerce and omnichannel merchant experiences
 * Deep hands-on experience with web architecture, modern web frameworks, and mobile frameworks
 * Expertise in APIs, including API standards, functional design, lifecycle management, and governance
 * Experience in establishing AI standards, design, and governance
 * Strong 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 delivery
 * Experience 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) experience
 * Cloud 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

## 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 l ead 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., * Define and drive the digital architecture strategy and target state for Merchant Payments products, aligned to business goals and go-to-market plans

 * Shape and execute the digital transformation roadmap, covering digital onboarding, client self-service, partner integration, and omnichannel commerce
 * Architect headless checkout and commerce solutions that connect web, mobile, in-store, and partner channels
 * Lead API strategy, including API standards, design-first practices, governance, and partner and developer experience
 * Establish web and mobile framework developer practices and governance
 * Partner with business and technology stakeholders to assess needs, propose design options, and recommend the best path to market
 * Build trusted relationships with senior business and technical decision makers, both internal and client-facing, and provide thought leadership
 * Break product strategy down into technical delivery roadmaps, milestones, and executable workstreams for engineering teams
 * Find opportunities to modernize platform capabilities alongside business initiatives. Contribute to and influence architecture governance forums, championing standards, patterns, and reusable capabilities
 * Lead 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