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About the Role

Enterprise Architecture is a key enabler of American Express' technology strategy, translating business priorities into technology direction, establishing reusable and secure architectural patterns, guiding critical technology decisions, and embedding architecture into delivery to increase speed, quality, resilience, and reuse. We are seeking a highly technical and forward-thinking Principal Architect to lead AI-enabled architecture strategy focused on areas such as Agentic Security and Platform Enablement, AI-led Global Servicing and Conversational Technology, Low-Latency and Critical Payment platforms, and API and Architectural Best Practices. This leader will shape how AI and agentic capabilities are incorporated into platforms, products, and architectural decisions, establishing reference architectures, reusable patterns, engineering guardrails, and evaluation practices.

Responsibilities

Define and advance the AI and agentic platform architecture strategy, including a focus on Agentic security, MCP ecosystem enablement, and flexibility of expansion to SaaS providers, while also allowing for maturing home-grown AI capabilities.
Support architecture needs across Global Servicing & Corporate Technology, International Consumer Services Technology as well as other Lines of Business, with relevance to Financial Services and Payments industry.
Provide hands-on architectural thought-leadership and expertise for complex or novel AI use cases, from early exploration through production deployment and scale.
Establish reference architectures, reusable patterns, standards, and guardrails for generative AI, agentic systems, intelligent automation, and related emerging technologies.
Ensure AI architectures align with enterprise standards and applicable security, privacy, risk, compliance, regulatory, and model-governance requirements.
Shape the technical direction for AI-enabled platforms and capabilities, aligning near-term delivery with long-term business and enterprise architecture objectives.
Identify and prioritize high-impact AI opportunities that improve automation, customer and colleague experiences, operational efficiency, resilience, and system performance.
Influence enterprise architecture standards and contribute to the continued evolution of the Enterprise Architecture Playbook.
Lead architecture reviews and provide clear, actionable guidance that improves design quality, reduces risk, and accelerates responsible adoption.
Define measurable architecture outcomes and use appropriate metrics, assessments, and OKRs to demonstrate adoption, architectural health, risk reduction, and business impact.
Demonstrate builder capabilities to lead efforts that are prototypes as well as production implementations for mission critical systems.
Have experience with modernization and program management of complex platforms and ecosystems.
Communicate complex AI and architecture concepts in clear, actionable terms for both technical and executive audiences.
Mentor architects and senior engineers, strengthening AI architecture capabilities and engineering practices across the organization.

Requirements

15+ years of progressive experience in technology architecture, software engineering, or a comparable discipline within a large-scale, complex environment.
Demonstrated experience designing and delivering enterprise-grade platforms, products, or technology capabilities.
Deep knowledge of large-scale system architecture, including distributed systems, APIs, cloud-native platforms, data-intensive applications, and hybrid technology environments.
Experience defining or implementing enterprise AI architecture, including generative AI, machine learning, intelligent automation, or agentic systems.
Deep understanding of production-grade and scalable AI system considerations, including scalability, latency, reliability, security, observability, evaluation, lifecycle management, and cost optimization.
Experience creating reference architectures, reusable patterns, technical standards, architecture decision records, and engineering guardrails.
Experience in creating OKRs, ROIs, and Architectural assessments.
Experience with development and governance of architecture standards, guidelines and Architecture Decision Records (ADRs).
Experience from leading technology or AI-forward organizations, with the ability to bring external perspectives and translate emerging innovations into enterprise-scale solutions.
Proven ability to influence senior leaders, architects, engineers, product teams, and governance functions across a complex, matrixed organization.
Demonstrated ability to operate as a horizontal technical leader and complex platform and technical product manager, influencing multiple teams and domains without direct ownership, and driving alignment across matrixed organizations.
Demonstrated ability for outcome-oriented leadership, including managing large and complex programs driving time and budget constraints.
Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.

Skills

AI
Agentic Security
Agentic Platform Enablement
MCP ecosystem
AI-led Global Servicing
Conversational Technology
Low-Latency platforms
Critical Payment platforms
API Best Practices
Architectural Best Practices
Generative AI
Machine Learning
Intelligent Automation
Agentic Systems
Scalability
Latency
Reliability
Security
Observability
Evaluation
Lifecycle Management
Cost Optimization
Modernization
Program Management
Technical Leadership
Architecture Strategy
Reference Architectures
Reusable Patterns
Engineering Guardrails
Architecture Reviews
Metrics
OKRs
Prototypes
Production Implementations

Location

Work Type

Hybrid
Onsite
Virtual

Experience Level

Principal
15+ years

Education Level

Bachelor's degree in computer science, computer science engineering, or related field required; advanced degree preferred.

Benefits

Competitive base salaries
Bonus incentives
Support for financial-well-being and retirement
Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
Generous paid parental leave policies (depending on your location)
Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
Free and confidential counseling support through our Healthy Minds program
Career development and training opportunities

About the Company

At American Express, our culture is built on a 175-year history of innovation, shared values, and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues.
From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Equal Opportunity

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.