Compliance Risk Management Senior Officer-Associate

Senior Associate in Compliance Risk Management

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Senior Associate in Compliance Risk Management, you will support Collections & Recovery, Customer Service and Card Lending Operations within Compliance, Conduct and Operational Risk (CCOR) which is the firm's second line of defense. Additionally, you will provide independent oversight, assessment, and challenge of the processes, risks, and controls across CCB Operations for Collections & Recovery, Customer Service and Card Lending Operations. You will execute responsibilities under the CCOR Framework and serve as a key point of contact for operational risk and regulatory compliance matters. This role requires deep knowledge of consumer regulations and the ability to collaborate across departments to enable business success in a controlled and compliant manner.

Job Responsibilities:

• Demonstrate professional experience and strong knowledge of consumer regulations (e.g. Unfair, Deceptive, or Abusive Act or Practices; Equal Credit Opportunity Act/ Regulation B, Regulation Z, Fair Credit Reporting Act).
• Assist in the development and execution of a comprehensive CCOR program to manage regulatory exposure from Collections & Recovery, Customer Service and Card Lending Operations activities; ensure robust Second Line oversight across relevant businesses and products.
• Provide oversight and independent challenge of changes to business processes, risks, and controls stemming from industry, regulatory, or strategic initiatives.
• Perform independent assessments of compliance and operational risks using the CCOR framework; including risk assessments, design and execute monitoring and testing routines to identify control gaps and emerging risks, and escalate as appropriate.
• Review compliance policies, procedures, and bulletins to ensure alignment with regulatory obligations and Firm requirements.
• Analyze compliance and operational risks to recommend process, control enhancements, and system changes.
• Leverage Artificial Intelligence/Machine Learning (AI/ML) and data analytics to understand business data and technology flows; analyze complex processes and develop oversight routines for monitoring, detection, and reporting.
• Influence and collaborate with Business, Legal, Controls, Risk, Operations, Technology, and Model Risk teams to ensure effective CCOR guidance, control design, testing scope, and sustainable remediation plans.
• Participate in independent monitoring of risk metrics, data, and review and assessment activities.
• Support regulatory exam, audit, and substantive testing inquiries related to group activities.

Required qualifications, capabilities, and skills:

• Bachelor's Degree with a minimum of 2 years of experience in Compliance, Operational Risk, Risk Management, Audit, Legal, or related field.
• Excellent research, analytical, written, interpersonal, and communication skills, with the ability to tailor communication for diverse audiences and defend positions as needed.
• Proven decision-making ability with a track record of managing multiple tasks and priorities.
• Strong verbal and written communication skills and pay high attention to detail and has ability to provide defendable.
• Demonstrate capability to learn quickly and manage multiple demands.
• Self-starter who can drive and own their own deliverables whilst continuing to collaborate with the broader team.
• Utilization of data analytics, generative Artificial Intelligence (AI), and large language models (LLMs) to drive work efficiency and support CCOR priorities.
• Ability to work independently with minimal supervision.
• Comfortable with engaging with all levels of the organization on risk and control matters.

Preferred qualifications, capabilities, and skills:

• Compliance/Operational Risk leadership experience.
• Proven track record designing and executing analyses utilizing AI/ML tools, aggregating risks across products/LOBs, and driving issue management from root cause through remediation to audit ready closure.
• Advanced qualifications preferred: Certified Regulatory Compliance Manager (CRCM), Certified Anti-Money Laundering Specialist (CAMS), Certified Internal Auditor (CIA), Certified Information System Auditor (CISA), or Project Management Professional (PMP); advanced degree (e.g., JD, MBA) and experience engaging regulators and internal audit.
• Strong data fluency to support CCOR oversight (e.g., SQL and visualization tools such as Tableau/ThoughtSpot), with ability to influence cross functional partners (Business, Legal, Controls, Risk, Operations) and present to senior stakeholders.

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

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success. Our Compliance teams work globally across all lines of business to advise internal stakeholders on the impact of regulatory requirements and how to balance these with the firm's needs. Their diverse mandate means they also provide input on new business strategies, product lines, policies, training, operational processes, risk mitigation and control.