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Technology Architect- Digital Payments and Transactions Systems

Req #: 180002107
Location: New York, NY, US
Job Category: Technology
Potential Referral Amount: 5000 US Dollar (USD)

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.5 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small business, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available at

Chase Consumer & Community Banking (CCB) serves nearly 60 million households and 4 million small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice.
Consumer & Community Banking consists of the following lines of business:

Consumer Banking serves customers at 5,200 branches in 23 states, 16,000+ ATMs, online, through mobile and by phone.
Mortgage Banking serves customers primarily through the branches, as well as by telephone and online. Services mortgage loans with combined balances of $845 billion and offers purchase and refinance solutions to first-time and experienced home buyers.
Chase Card Services consists of two businesses: Consumer and Small Business and Commercial Card. The No. 1 credit card issuer in the U.S. based on loans outstanding.
Business Banking provides deposit, credit and cash management services to businesses with annual revenue up to $20 million in 23 Chase footprint states.
Auto Finance provides auto loans indirectly through a national network of automotive dealers and manufacturer clients, as well as directly to consumers through bank branches and Chase also provides commercial loans and floorplan financing to auto dealers.
Merchant Services is the global payment processing and merchant acquiring business for JPMorgan Chase & Co. It processed more than $1 trillion in payments in 2016.

As a Chase employee, you’ll be part of a company that makes a real difference every day for our customers, our communities and us. With a focus on customer service, you’ll put others first, do what’s right and create solutions that make lives better. We invite you to build your career on our strong foundation and help shape what’s next – for you and for us.

The online and mobile channels for CCB currently support more than 32 million active customers; 9 million customers interact with us daily, making Chase the most visited banking portal in the US. Within Consumer and Community Banking, the Digital IT team is responsible for setting and executing strategies that align with business objectives and drive innovation across Chase Online and Mobile, helping to establish the best Digital banking customer experience in the industry.

Due to the success of CCB, it is undertaking a bold digital transformation agenda, investing in innovative ways to deepen customer engagement and profitability through the use of digital channels. The ambition is to position Chase as the undisputed leader in digital financial services and payments and to enable Chase to deliver the highly personalized, real time experiences that customers increasingly expect.

The Chase CCB Digital team is responsible for enhancing the desktop/mobile/tablet experiences for our current and prospective Chase customers.


As a Technical Architect for Digital Payments and Transaction systems, you will be responsible for the design of complex, multi-system environments taking into account production, testing and development environments. The role requires expertise in designing solutions that integrate hardware, operating systems, software solutions and connectivity into a target solution. The role requires critical review and analysis of business requirements for both internal and external clients. You will provide expert knowledge of technical architecture and serve as Subject Matter Expert to Senior Technology managers, Business, Operations and Technology teams. You will provide direction and guidance directly to sponsors, business analysts, developers, production support, and customer support specialists.

You should have a background in designing solutions across a number of payment related capabilities including customer-facing payment experiences, payment processing, risk/limit models, purchase authorizations, person-to-person, person-to-merchant and business-to-business payment models. Additional fluency with integration of packaged payments solutions (payroll, invoices, payment services, etc.) into the inventory of existing payment platforms will be invaluable experience.

You will work closely with other architects, developers and leads, customer experience, payment operations support and Payment business leads. You will develop and drive the technical direction for the Digital Payments domain including Bill Payment, Bill Presentment, Person-to-Person payments, Business-to-Business payments, and other payment and transaction models that integrate into the Digital Payment space. Additionally you will need to be versed in risk models (such as monetary and fraud risks) and account for these in your design.

Your ability to collaborate and reach consensus will be a significant and required asset. The position will also require you to identify issues in that collaborative environment and drive those issues to closure. You will be challenged to understand the real business needs and balance the business needs with existing technical constraints and operational impacts in order to develop implemental solutions. You will need to develop, maintain and improve the technical reference architecture for the Digital Payments domain.

You will identify and communicate risks associated with component or application implementation. You will support and guide the development teams during the analysis, development and testing processes. You will support the teams to sequence application component releases. You will prepare technical architecture deliverables in accordance with Commercial and Consumer Banking Architecture standards and communicate effectively with both technical and non-technical individuals at all levels.

You will need to work directly with senior business and technology leaders within the Digital organization as well as across the larger JPMC organization. The role is multi-dimensional in the number and tenor of the professional relationships that you will need to develop across the team with these leaders.

  • Strong written and verbal communication skills
  • 10+ years of experience in Information Technology, Software Development and Delivery
  • 5+ years of experience as a Technical Architect with proven record of driving adoption of solutions and platforms into production
  • Ability to work independently across multiple initiatives simultaneously
  • Ability to work with multiple design and delivery partners including vendors
  • Strong understanding of project management methodologies and tools including experience with agile delivery
  • 5 years of experience using architecture methodologies, standards and tools (TOGAF, domain driven design, UML, etc.)
  • Solid skills in internet technologies, information architecture, customer analytics, and rules or decision systems
  • Experience with Platform at scale: authentication, enrollment, self-servicing, notifications, transaction processing end-of-day cutoffs with limited to no degradation of system performance
  • Mobile application development experience, i.e. native iOS/Android, hybrid applications, mobile browser preferred  
  • Development and architecture experience with
    • devices and client technologies such as javascript, mobile apps (java, objective C, SWIFT, etc.), kiosks, wearables
    • Services (java, application servers, APIs, brokers)
    • Caching technologies (Gemfire, memcache, etc.)
    • Data technologies (Cassandra, relational databases)
    • Cloud (AWS, Azure, etc.)
  • Experience with Architecture for at least 2 of the following areas:
    • Card Payments (VISA, Mastercard, ISO, EMV, issuance and acceptance, debit/credit, tokenization standards)
    • Payment and Transaction initiation, fulfillment and settlement for individual payments (account-to-account transfers, Bill Pay, Zelle, Pay Pal, Venmo, and image capture, bill presentment, etc.)
    • Payment and Transaction initiation, fulfillment and settlement for institutional payments (ACH, Wires (Domestic and International Cross-Currency), internal/external transfers, payroll, invoicing, and payment distribution platforms)
    • Address standardization utilization in transaction routing and merchant matching. (Code 1, Trillium, etc.)
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