Job Description

You will join a team building and modernizing debit and payments capabilities that power everyday customer experiences. You will help shape platform direction while improving resiliency, security, performance, and cost efficiency across high-volume transaction services. You will work with product, operations, security, and engineering partners to deliver outcomes that scale.

As a Senior Lead Software Engineer at JPMorganChase within Consumer & Community Banking , you will own critical technology domains end to end, guide multiple agile squads, and set engineering standards that improve reliability and delivery velocity. You will influence architecture decisions, lead complex changes safely, and mentor engineers to raise the quality bar across the organization.

Job responsibilities

• Define and evolve target-state architecture for debit and payments services using modern distributed-systems patterns
• Lead domain-level technical ownership across multiple services, ensuring high availability, low latency, and operational excellence
• Drive modernization initiatives, including platform upgrades and decomposition efforts, with clear risk management and rollback plans
• Establish and enforce API governance, schema/versioning practices, and engineering standards through design reviews and reference implementations
• Improve reliability through service level indicators/service level objectives, runbooks, post-incident learning, and capacity planning
• Build and mature observability practices, including distributed tracing and metrics that cover synchronous and asynchronous workflows
• Partner with security, risk, and compliance stakeholders to ensure secure engineering practices and audit-ready controls
• Standardize event streaming and messaging practices, including idempotency, retry strategies, and dead-letter queue handling
• Mentor and coach senior and lead engineers, strengthening engineering practices across squads
• Communicate technical strategy, tradeoffs, and delivery plans to senior stakeholders and cross-functional partners

Required qualifications, capabilities and skills

• Formal training or certification on software engineering concepts and 5+ years applied experience
• 10+ years of software engineering experience delivering production systems at scale
• Advanced Java expertise, including concurrency, memory management, and performance tuning
• Strong experience building services with Spring Boot and designing secure, well-governed RESTful APIs
• Demonstrated experience with cloud-native delivery using Kubernetes and containers, including deployment and operational practices
• Proven reliability engineering experience, including service level objectives, incident response, and capacity planning
• Strong observability experience, including instrumentation, tracing, and metrics across distributed systems
• Solid experience with data persistence and streaming, including relational databases and Kafka, plus schema evolution and transactional integrity patterns
• Demonstrated secure engineering practices, including OAuth2/OIDC, mutual TLS, secrets management, and software supply-chain controls
• Strong collaboration and leadership skills, including mentoring engineers and leading cross-team technical initiatives

Preferred qualifications, capabilities and skills

• Experience supporting debit, payments, or other high-volume transaction platforms in regulated environments
• Familiarity with PCI DSS-aligned controls and partnering with audit, risk, and compliance teams on evidence and remediation
• Experience with Camunda and BPMN-based workflow orchestration
• Experience with Infrastructure as Code (such as Terraform) and GitOps delivery models
• Experience with OpenTelemetry, Grafana, Prometheus, and/or Dynatrace in large distributed systems
• Familiarity with ISO 8583 and/or ISO 20022 integrations, reconciliation patterns, or settlement workflows

About Us

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.