Payments Liquidity Business Manager - Senior Associate

Senior Associate In Deposits & Liquidity Performance Analytics

Join our Deposits & Liquidity Performance Analytics team, where you'll help shape the financial future of our Liquidity & Account Solutions business. You'll collaborate with talented colleagues, influence key decisions, and make a measurable impact through your analytical expertise and proactive approach.

As a Senior Associate in Deposits & Liquidity Performance Analytics, you support the Liquidity & Account Solutions business within Treasury Services. You will deliver critical financial insights through forecasting, variance analysis, and executive reporting. You'll partner with stakeholders across Finance, Product, and Treasury, translating complex data into clear recommendations. Your work will drive improvements in forecasting, reporting, and controls, with opportunities to demonstrate leadership and grow your career.

Job Responsibilities

• Lead balance sheet and revenue forecasting and analytics for Liquidity & Account Solutions, ensuring timely and accurate outputs.
• Support the end-to-end revenue and net interest income (NII) forecast, including model development, assumptions, and scenario analysis.
• Run scenario and sensitivity analyses on rates, yield curves, policy changes, balance movements, and client repricing; synthesize results and recommend actions.
• Prepare monthly P&L variance analysis, including variance bridges versus plan, forecast, and prior year; develop driver commentary and investigate key variances.
• Reconcile actuals to source systems and allocation methodologies, maintaining traceability and documentation; identify and address data or methodology gaps.
• Produce recurring executive-ready reporting, ensuring metric consistency, accuracy, and narrative enhancement as business conditions evolve.
• Coordinate inputs and messaging across Finance, Product, and Treasury partners; manage timelines, dependencies, and follow-ups with minimal oversight.
• Identify and lead initiatives to improve data quality and automation across forecasting, performance measurement, and reporting.
• Uphold strong control standards across reconciliations, allocations, and model governance; ensure documentation is complete and audit-ready.
• Serve as a go-to partner for day-to-day questions, communicating complex concepts clearly and escalating risks with proposed solutions.
• Demonstrate team-lead potential by mentoring junior team members, driving best practices, and leading small projects or workstreams as needed.

Required Qualifications, Capabilities, and Skills

• Bachelor's degree with experience in finance, treasury, or wholesale transaction banking products.
• Strong analytical skills and advanced Excel proficiency, including experience with driver-based models and large datasets.
• Experience with business intelligence or analytics tools (e.g., Tableau, Alteryx) and ability to learn new tools quickly.
• Proven ability to manage multiple priorities under tight deadlines and work independently through ambiguity.
• Strong communication skills, with the ability to translate analysis into concise, executive-ready materials.
• Demonstrated leadership behaviors, such as leading workstreams, owning initiatives, process improvement, or mentoring.

Preferred Qualifications, Capabilities, and Skills

• Experience with deposits or liquidity products.
• Track record of driving automation or process enhancements in financial analysis or reporting.
• Familiarity with model governance and audit requirements.
• Experience collaborating with cross-functional teams in a matrixed environment.

**To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co. will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit, including optional practical training (OPT) or curricular practical training (CPT).**

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.