Payment Lifecycle Specialist III

Job Title

Payments Lifecycle

Job Description

Job Responsibilities

• Own daily/weekly/month-end reconciliations and finalize EOM packets by deadlines.
• Meet production goals and SLA/KPI targets; proactively manage capacity.
• Prioritize and delegate work; monitor queues and ensure timely, quality output.
• Serve as escalation point for complex cases; perform root-cause analysis and drive corrective actions.
• Investigate and clear cash/ledger breaks; monitor aging and escalate threshold breaches.
• Ensure adherence to procedures and controls; support audits with clear documentation.
• Track and report KPIs/KRIs; communicate trends and recommendations to stakeholders.
• Partner with operations, technology, and product teams to automate and enhance controls.

Required Qualifications

• Knowledge of payment flows, cash/GL reconciliations, and exception management.
• Ability to identify patterns, perform root-cause analysis, and interpret operational metrics.
• Proficiency with reconciliation platforms, Excel and basic data analysis.
• Sound judgment balancing client experience, risk, and efficiency under time pressure.
• Strong attention to detail with commitment to accuracy and control adherence.
• Clear written and verbal communication skills.

Preferred Qualifications

• 25 years in payment operations, reconciliations, or financial operations.
• Experience meeting production targets and managing SLAs in a high-volume environment.
• Experience supporting audits and working within risk/control frameworks.
• Process improvement or automation experience

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.