Principal Architect- Agentic Commerce transformation

About the job

Step into the role of a Principal Architect at JPMorganChase and help shape the future of B2B Commerce and payments. 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.

As a Principal Architect at JPMorganChase within Commercial & Investment Bank Payments Technology, you will lead architecture for the B2B Commerce transformation across intelligent payment orchestration, supplier network services, AI and agentic systems, and multi-rail payments. You will define the target-state architecture and apply modern cloud, distributed systems, and AI engineering practices to accelerate delivery of this strategic growth initiative.

Job responsibilities

• Leads target-state architecture for B2B Commerce, translating business strategy into scalable, secure, resilient technology solutions
• Drives architecture across intelligent payment orchestration, supplier network services, and multi-rail payments
• Designs modern cloud-native and distributed systems using APIs, microservices, event-driven and data architecture patterns
• Architects AI and agentic systems, including orchestration, grounding, memory, tool integration, observability, and appropriate controls
• Establishes reusable AI patterns leveraging AWS, Amazon Bedrock, and enterprise data and services
• Champions Spec-Driven Development (SDD) and AI-enabled engineering to improve quality, traceability, reuse, and delivery velocity
• Partners across Product, Engineering, Data, AI, Risk, and Architecture to align teams and drive delivery
• Serves as a senior technical leader, influencing architecture decisions and communicating strategy to senior leaders

Required qualifications, capabilities, and skills

• Formal training or certification on architecture concepts and 10+ years applied experience
• Hands-on experience designing and delivering large-scale distributed systems and production software
• Deep knowledge of cloud-native architecture, APIs, microservices, event-driven systems, data architecture, resiliency, security, observability, and performance
• Strong software engineering foundation with expertise in one or more programming languages
• Experience designing AI, generative AI, or agentic systems and integrating them into enterprise platforms
• Experience with AWS and enterprise AI platforms such as Amazon Bedrock or equivalent technologies
• Experience applying Spec-Driven Development (SDD) and AI-assisted engineering practices
• Ability to influence across engineering teams and communicate complex architecture decisions to senior leaders

Preferred qualifications, capabilities, and skills

• Experience in B2B payments, commercial payments, transaction banking, payables, receivables, or payment networks
• Experience with multi-rail payments, intelligent routing, decisioning, or orchestration platforms
• Experience with AWS, Amazon Bedrock, generative AI, and agentic architectures
• Experience with supplier onboarding, AP/AR automation, remittance, reconciliation, ERP integration, or payment execution
• Demonstrated ability to connect architecture decisions to client outcomes, engineering velocity, and business growth

About Us

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

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.

Additional Information

• Job Identification: 210802370
• Job Category: Architecture
• Posting Date: 2026-10-26
• Job Schedule: Full time
• Locations: 10 S Dearborn St, Chicago, IL, 60603, US ()
• Base Pay/Salary: Chicago,IL $175,750.00-$260,000.00