Job Description



Join a team shaping the future of digital payments and drive your professional growth. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment.



As a
Payment Lifecycle Associate within the Payments Operations team at JPMorganChase, you will play a pivotal role in ensuring the smooth transfer of funds between various parties while enhancing our payment operations framework. You will leverage your knowledge of automation technologies and systems architecture to process payments across various products and parties. You will make decisions guided by established practices, and contributing to short-term operational goals. You will engage with stakeholders, manage projects, and spur continuous improvement initiatives, building strong working relationships with internal lines of business. Your ability to understand and apply cybersecurity controls, anti-fraud strategies, and data analysis techniques will be key to your success in this role. Additionally, your proficiency in AI/ML will be utilized to solve complex problems and enhance processes, applying your knowledge in market product and process improvement to optimize our operations.




Job responsibilities

• Utilize independent judgment and technical expertise to resolve exceptions and enhance control environments for technical, financial, and operational processes.


• Conduct research and data analysis to address non-routine payment lifecycle issues and ensure accurate, timely fund transfers across various products.


• Define project requirements and metrics using process models, and lead or contribute to process optimization initiatives to improve quality and customer experience.


• Apply knowledge of systems architecture and automation technologies to support process optimization and build effective relationships with stakeholders and teams.


• Coach, train, and mentor team members to uphold high service standards and serve as an escalation point for junior team members.

Required qualifications, capabilities, and skills

• Advanced knowledge of global payment processing operations and systems architecture to support operational efficiency and change management.


• Proficiency in data analysis techniques to interpret and communicate insights for informed decision-making with senior stakeholders.


• Commercial and growth mindset to adapt to fast-paced environments and new business initiatives, with strong interpersonal and communication skills.


• Understanding of cybersecurity controls and anti-fraud strategies to protect information and systems, and ability to navigate dynamic environments with evolving priorities.


• Familiarity with continuous improvement methodologies and design-thinking techniques to drive continuous improvement initiatives.

Preferred qualifications, capabilities, and skills

• Knowledge of ISO or Swift message processing or management.


• Experience with operations, controls and problem solving related to Payments, Cash, Treasury Operations.


• Experience in global payments and understanding of accounting and money movement processes


• Developing experience using AI-powered analytics, workflow automation, or intelligent process tools to drive efficiency gains, reduce manual effort, or improve accuracy in operational processes.

About Us



JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.



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.



JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans




About the Team



J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.