Payment Lifecycle Associate II - Payment Operations

Join a team shaping the future of digital payments and drive your professional growth. Become a pivotal leader at the forefront of revolutionizing payment operations, where your expertise will help drive efficiency across our financial systems.As a Payment Lifecycle Associate II within Payments Operations, you will play a pivotal role in enhancing our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions. You will manage payment processing across various products, ensuring smooth fund transfers and reconciling purchase and sales options, futures, or securities, while leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness to ensure security and efficiency. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, and your strategic planning skills will guide our direction and resource allocation decisions. 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 responsibilitiesManage and deliver programs or projects of moderate to advanced complexity related to the payments lifecycle, while leading or contributing to client experience, transformation initiatives, and process optimization.Define project requirements, impact, outcome criteria, and metrics using process models and diagrams, providing subject matter expertise on key initiatives, new system developments, and automation opportunities.Conduct research and data analysis to resolve non-routine payment lifecycle issues, including cash, trade, merchant, or commercial card transactions, and client investigations.Monitor and enhance the control environment for technical, financial, and operations processes, participating in the detection and prevention of fraudulent transactions to mitigate risks.Build effective relationships with stakeholders, cross-functional and cross-locational teams, and clients to drive mutually beneficial outcomes and ensure smooth operations.Coach, train, mentor, and develop junior talent to equip the team for future success.Required qualifications, capabilities, and skillsDemonstrated ability in operations leadership or management within payments, with at least three years of experience, showcasing advanced knowledge of global payment processing operations, products, and systems architecture to support operational efficiency and change management.Self-reliant and proactive in problem-solving, with the ability to independently conduct root cause analysis and execute analytics projects, creatively finding solutions.Ability to navigate effectively in dynamic environments with evolving priorities and shifting workloads across complex products, applying a commercial and growth mindset to adapt to new business initiatives.Proficient in data analysis techniques, capable of interpreting and communicating insights to inform decision-making with senior stakeholders, while leveraging strong interpersonal skills for collaboration.Understand cybersecurity controls and anti-fraud strategies to protect information and systems, with familiarity in continuous improvement methodologies and design thinking techniques.Demonstrated proficiency in using automation technologies to optimize payments processing, with a proven track record in enhancing customer experience throughout the customer journey.Preferred qualifications, capabilities, and skillsKnowledge of ISO or Swift message processing or management. 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/VeteransJ.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. Full timePosting Date: 2026-07-23