Principal Architect, Solutions – Commercial Card Issuing and Fraud Domain

Location: Chicago, IL, United States

Job Family: Architecture

About the Role

At JP Morgan Chase, we are at the forefront of redefining the future of financial services through innovative technology solutions. As a Principal Architect in the Solutions – Commercial Card Issuing and Fraud Domain, you will play a pivotal role in architecting cutting-edge platforms that power our Commercial & Investment Bank. Based in our Chicago office, you will provide architectural leadership to enhance card issuing capabilities and advanced fraud prevention systems, ensuring they meet the highest standards of security, scalability, and regulatory compliance. Your expertise will drive the delivery of market-leading technologies that support global clients in managing commercial payments efficiently and securely. In this high-impact position, you will collaborate with cross-functional teams including developers, data scientists, and business leaders to design resilient architectures for real-time transaction processing and fraud detection. You will leverage emerging technologies like AI/ML and cloud-native services to build solutions that mitigate risks and optimize operations within our vast ecosystem. Responsibilities include leading technical roadmaps, conducting architecture reviews, and integrating systems to support seamless commercial banking experiences. Your work will directly contribute to JP Morgan Chase's commitment to innovation, helping us maintain our position as a leader in the financial industry. We seek a strategic thinker with deep domain knowledge in financial services architecture, passionate about solving complex challenges in card issuing and fraud management. Join a dynamic team that values collaboration, continuous learning, and excellence, and be part of an organization that invests in your growth while empowering you to make a meaningful impact on the world's largest financial institution.

Key Responsibilities

• Design and architect end-to-end solutions for commercial card issuing platforms, ensuring scalability, security, and compliance with financial regulations
• Lead the development of fraud detection architectures, integrating advanced analytics and machine learning to mitigate risks in real-time transactions
• Collaborate with product managers, engineers, and stakeholders to define technical roadmaps and deliver innovative technologies that enhance client experiences
• Evaluate and recommend emerging technologies to optimize performance and reduce costs in the Commercial & Investment Bank division
• Ensure architectural alignment with JP Morgan Chase's enterprise standards, including cloud-native designs on AWS or hybrid environments
• Mentor junior architects and engineers, fostering a culture of technical excellence and knowledge sharing
• Conduct architecture reviews, risk assessments, and proof-of-concepts for new initiatives in card issuing and fraud domains
• Drive integration of third-party solutions with internal systems to support seamless commercial banking operations
• Monitor and optimize system performance, focusing on high availability and low latency for global transaction processing
• Contribute to firm-wide architecture governance, participating in committees to shape technology strategy

Required Qualifications

• Bachelor's degree in Computer Science, Information Technology, or a related field; advanced degree preferred
• 10+ years of experience in software architecture, with at least 5 years in financial services or fintech
• Proven track record in designing scalable systems for commercial banking, card issuing, or fraud detection
• Deep expertise in enterprise architecture frameworks such as TOGAF or Zachman
• Experience leading cross-functional teams in agile environments within large-scale financial institutions
• Strong understanding of regulatory compliance in financial services (e.g., PCI DSS, GDPR, SOX)
• Ability to obtain necessary security clearances for handling sensitive financial data

Preferred Qualifications

• Master's degree in Computer Science or Business Administration
• Experience with JP Morgan Chase's technology stack or similar large bank environments
• Certifications such as AWS Certified Solutions Architect, CISSP, or TOGAF
• Prior work in commercial card issuing platforms or real-time fraud prevention systems
• Knowledge of blockchain or AI/ML applications in fraud detection

Required Skills

• Enterprise architecture design and modeling (e.g., UML, ArchiMate)
• Cloud computing platforms (AWS, Azure, or GCP)
• Microservices architecture and containerization (Docker, Kubernetes)
• Java, Python, or similar programming languages for solution prototyping
• Database management (SQL/NoSQL, e.g., Oracle, MongoDB)
• API design and integration (RESTful, GraphQL)
• Security protocols and fraud detection technologies (e.g., encryption, anomaly detection)
• Agile methodologies and DevOps practices (CI/CD pipelines)
• Machine learning frameworks for fraud analytics (e.g., TensorFlow, scikit-learn)
• Stakeholder communication and presentation skills
• Problem-solving and critical thinking in complex environments
• Regulatory knowledge in financial services (PCI, AML)
• Project management and leadership abilities
• Data modeling and big data technologies (Hadoop, Spark)

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, including tuition reimbursement and access to internal training programs
• Employee stock purchase plan and financial wellness resources
• Wellness programs with gym memberships, mental health support, and onsite fitness facilities
• Flexible work arrangements, including hybrid options in Chicago

JP Morgan Chase is an equal opportunity employer.