Applied AI, Product Associate-Payments

Develop and support innovative product capabilities with a strong foundation in product development and modern AI solutions including LLM-driven applications.

As an Applied AI, Product Associate within the Merchant Services Solutions & Commercialization team, you will support the design, delivery, and commercialization of AI-powered products that enhance merchant and client experiences across the payments lifecycle.

The Merchant Services Solutions & Commercialization team is responsible for identifying, incubating, and scaling innovative solutions that accelerate growth, improve client experiences, and unlock new commercial opportunities across JPMorgan Merchant Services. The team partners across product, engineering, sales, servicing, and operations to bring innovative solutions to market and drive measurable business outcomes.

Job responsibilities

• Support product roadmap development and backlog management for AI and agentic initiatives
• Partner with engineering and design teams to define requirements and deliver AI-powered capabilities
• Assist with experimentation, prompt iteration, model evaluation, and performance optimization
• Conduct customer, stakeholder, and market research to identify product opportunities and inform prioritization
• Gather and synthesize user feedback to improve product experiences and business outcomes
• Monitor product performance and support data-driven decision making
• Contribute to launch planning, adoption strategies, and commercialization activities

Required qualifications, capabilities, and skills

• 3+ years of relevant product, technology, or domain experience
• Foundational knowledge of product development and modern AI/GenAI solutions
• Familiarity with LLM concepts, APIs, workflow automation tools, or related technologies
• Strong analytical, problem-solving, and communication skills
• Ability to work effectively across cross-functional teams

Preferred qualifications, capabilities, and skills

Experience in payments, financial services, SaaS, commerce, technology, or other data-driven industries is a plus

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

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

A part of the Commercial & Investment Bank, J.P. Morgan Payments enables organizations of all sizes to execute transactions efficiently and securely, transforming the movement of information, money, and assets. The team of experts tackles complex challenges at every stage of the payment lifecycle. And their industry-leading solutions facilitate seamless transactions across borders, industries, and platforms.

Operating in over 160 countries and handling more than 120 currencies, J.P. Morgan Payments business is the largest processor of USD payments, with a daily transaction volume of $10 trillion.