Transaction Processor

Payment Lifecycle Associate II

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 responsibilities

• Manage cash payment and securities settlement and monitoring/approval functions that affect and control credit and intra-day exposure for a portfolio of clients, products, and currencies.
• Apply sound operational and credit risk management principles, judgment, research, and investigation to support process and to manage credit exposures/ decision approvals within respective approval authority.
• Understand and support operational control and regulatory reporting requirements.
• Work with Operations and Client Services to manage client payment relationships.
• Inform aligned Credit Risk and ORM partners about client portfolio activity, issues and provide line sizing recommendations.
• Liaise with key stakeholders including Credit, Relationship Managers, Product Management and Operations regarding client credit limits/arrangement recommendations to support clients' activities.
• Actively participate in client and country crisis management risk mitigation actions including Rapid Exposure Drills (RED) with Credit and Relationship Managers and support business resiliency planning.
• Participate in projects that relate to TAG core functions as requested by management (e.g., Assist with the development of the Global Funds Control (GFC), Custody Credit Engine (CCE), Integrated Credit Risk Desktop (iCRD) and any other systems that function with credit controls).
• Engage as a subject matter expert for payment systems and processes related to funds control.

Required qualifications, capabilities, and skills 

• Bachelor’s degree 
• Minimum 5 years of experience working in Risk & Controls or Banking/Payment Operations or Client Service or Product Management
• Prior experience and proven ability to communicate effectively and confidently with senior management
• Expertise in Microsoft Applications (especially PowerPoint and Excel) and experience using SharePoint
• Self-starter, capable of working independently, making decisions using a risk and control mindset
• Proven track record of multi-tasking in a time sensitive environment
• Quick learner and strong interpersonal and team working skills
• Open attitude towards sharing ideas and knowledge with appropriate partners/stakeholders
• A proactive approach to problem solving and taking ownership of issues

Preferred qualifications, capabilities, and skills

• Knowledge of cash management products, payment systems, Securities clearing/processing and settlements

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 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.

Experience Level

Mid Level