Payment Lifecycle Specialist IV

Are you ready to be at the forefront of digital payment innovation? Join our Payments Operations team and make a meaningful impact by ensuring seamless financial transactions. This is your opportunity to grow your career in a fast-paced environment, where your contributions will be valued and your skills will be honed.

As a Payment Lifecycle Specialist IV within Payments Operations, you will play a crucial role in the smooth transfer of funds between various parties. Working under regular supervision, you will help maintain our reputation for excellent service and secure financial transactions. Your responsibilities will include payment processing across various products, such as the transfer of funds between financial institutions, cardholders, merchants, corporate and retail clients, and the reconciliation of purchase and sales options, futures, or securities. This may involve sanctions screening, payment investigations, funds control, exception processing, resolving reconciliation breaks, and invoicing or cash management activities.

Job responsibilities

• Analyze requirements for completeness, consistency, comprehensibility, and JPMorganChase Operations Standards.
• Create process models, specifications, diagrams and flows.
• Assist on AP Products Standard Operating Procedures (SOP) updates and existing Process KRs.
• Lead/Participate in Projects and Process Improvements that focus on Automation, Efficiencies and Stronger Controls.
• Identify and establish parameters of requirements analysis for each project to define impact, outcome criteria, and metrics and work with stakeholders and project teams to establish requirements for Alternative Payment Operations integration.
• Provide support on seamless migration of all new clients / products / functions with proactive support during testing phase and monitoring the defects and issues and execute day-to-day operational activities to ensure adequate operational performance measured through key indicators, data analytics, reporting and other operational controls.
• Own the operational support for products in scope of the unit, including issue management, escalations and engagement with internal business partners to trouble shoot issues and define remediation.
• Partner with internal departments to scale operating model for new products growth as business initiatives attracts new clients and/or growth of existing client base.
• Maintain strong discipline to onboard new activities into the unit in partnership with multiple project and control groups ensuring proper operational readiness for go live and develop subject matter expertise of new products, business processes and application flows to proper management changes, issues and other support needs.

Required qualifications, capabilities, and skills

• Minimum of 5 years of experience with Payments, Reconciliation, Cash, Treasury Operation dealing with operational process, controls and problem solving.
• Experience in global payments with understanding of accounting and money move processes.
• Excellent analytical, mathematical, and problem-solving skills.
• Strong listening, interpersonal, written, and oral communications skills with the ability to effectively communicate issues and results to management.
• Strong understanding of Windows office system and ability to do excel analysis with large amounts of data.
• Data-driven who can synthesize key insights, utilize data points to communicate with senior management in an effective way.
• Demonstrated communication and diplomacy skills to work cross-organizationally to influence others, drive results/change and implement projects/processes.
• Demonstrated success in manage fast changes and adapt to new business initiatives.
• Business acumen and commercial market awareness.

Preferred qualifications, capabilities, and skills

• Experience of Payments, Cash, Treasury Operation dealing with operational process, controls and problem solving is a plus
• Experience in global payments is desirable, with understanding of accounting and money move processes

*** This is a weekend coverage position with salary differential (work schedule = Saturday and Sunday + 3 weekdays)***

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