Senior Architect (Hands-On) – Client Servicing & Money Movement

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:

This job is responsible for defining an architectural vision and solution that supports the strategic outcomes of the Business' Products and Services. Key responsibilities include defining the target operating environment, designing for client resiliency, assisting with solution design, and defining non-functional requirements. Job expectations include working with stakeholders and service providers aligned to the Business' strategic objectives, evaluating the impact of strategic design decisions, and contributing to the architecture roadmap.

We are seeking a highly skilled, hands-on Senior Architect to lead the design and delivery of next-generation, AI-driven agentic solutions across our Client Servicing and Money Movement portfolio. This role sits at the intersection of business transformation, advanced AI, and modern engineering, and is critical to driving intelligent automation, enhancing client experience, and reducing operational friction.

The ideal candidate brings deep technical expertise, strong architectural leadership, and a proven ability to design, build, and scale AI-powered platforms—while remaining actively engaged in hands-on delivery.

Responsibilities:

• Works across the business, operations and technology to create the solution intent and architectural vision for complex solutions and prioritize functional and non-functional requirements into a technology backlog to enable the technology roadmap and functionality to support evolving capabilities and services

• Contributes to the creation of the architecture roadmap of defined domains (Business, Application, Data, and Technology) in support of the product roadmap and the development of best practices including standardized templates

• Clarifies the architecture, assists with system design to support implementation, and provides solution options to resolve any architectural impediments

• Facilitates solution driven discussions, leads the design of complex architectures, and finds creative solutions through knowledge of domain, practical experiments, and proof of concepts while ensuring architecture is flexible, modular, and adaptable

• Educates team members on the technology practices, standardization strategies, and best practices to create innovative solutions

• Supports the team as needed to select the technology stack required for solutions and helps select preferred technology products

• Performs design and code reviews to ensure all non-functional requirements are sufficiently met (for example, security, performance, maintainability, scalability, usability, and reliability)

Key Responsibilities:

• Architecture & Design

• AI & Innovation

• Hands-On Engineering

• Business Alignment

Required Qualifications:

• 10+ years of experience in software engineering and architecture, with recent focus on AI/ML and distributed systems.

• Proven track record building enterprise-scale solutions within financial services or regulated environments.

• Experience with Generative AI, LLMs, orchestration frameworks, and agentic architectures.

• Strong understanding of client servicing and/or money movement processes (e.g., payments, transfers, ACH, wires).

• Experience designing AI-driven workflow automation or digital assistants.

• Knowledge of risk, compliance, and fraud detection in financial transactions.

• Experience with agent frameworks such as LangChain, RASA, or similar.

• Demonstrated success taking AI solutions from POC to production scale.

Technology Stack

Core Technical Skills:

• LangChain / LangGraph

• Market‑available LLMs (e.g., OpenAI, Azure OpenAI, Anthropic, Mistral).

• LLM & Agent Fundamentals: Candidates must deeply understand how LLMs behave, not just how to call an API.

• Vector databases (FAISS, Pinecone, Weaviate, Azure AI Search)

• Chunking strategies & embeddings

• Hybrid search (vector + keyword)

• Evaluation of retrieval quality

• Java, Python

• ReactJS / .NET

• Spring Boot

Architecture & Cloud

• Microservices architecture

• Cloud platforms: AWS, Azure

• Containers: OpenShift

• MuleSoft

• BPM/Workflow tools (e.g., Camunda)

• RESTful APIs

Integration & Middleware

• Event-driven architecture (Kafka, MQ)

• API Gateways (Apigee, Kong, AWS API Gateway)

• ETL and data migration tools

Key Competencies

• Hands-on technical leadership

• Strategic mindset with strong execution focus

• Innovation and problem-solving orientation

• Strong stakeholder management and communication skills

• Ability to thrive in fast-paced, evolving environments

Success Measures

• Successful delivery of scalable, AI-driven agentic solutions across the portfolio

• Measurable reduction in manual effort and processing time

• Improved client and advisor experience

• Effective transition of POCs into production-ready capabilities

Skills:

• Analytical Thinking

• Architecture

• Result Orientation

• Solution Design

• Technical Strategy Development

• Application Development

• Collaboration

• Data Management

• DevOps Practices

• Risk Management

• Agile Practices

• Automation

• Influence

• Solution Delivery Process

• Test Engineering

Minimum Education Requirement: Bachelor’s degree or equivalent work experience.

Shift:

1st shift (United States of America)

Hours Per Week:

40

Pay Transparency details

US - NJ - Jersey City - 101 Hudson St - 101 Hudson (NJ2101), US - NJ - Pennington - 1500 American Blvd - Hopewell Bldg 5 (NJ2150)Pay and benefits informationPay range$140,500.00 - $205,000.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.