Payment Lifecycle Specialist

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 III 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

• Execute high-volume payment processing tasks, including validating global currency fund transfers to ensure accurate and timely transactions, following established procedures.
• Process payments for cash, trade, merchant, or commercial card transactions as well as customer accounts and verification, performing basic research, reviewing sanctions, fraud, fund controls, and client investigation.
• Identify, resolve, or escalate procedural issues, operational errors, or potential fraudulent threats that may arise during payments processing and help prevent financial and reputational damage to the institution.
• Collaborate with cross-functional and cross-locational teams and clients, maintaining productive relationships to drive mutually beneficial outcomes in line with team objectives.
• Utilize automation technologies to streamline payment operations, enhancing efficiency and accuracy, and contribute to process optimization efforts by identifying inefficiencies in current processes and proposing solutions.
• Contribute to the development and implementation of anti-fraud strategies to detect and prevent fraudulent transactions.
• Informally coach new or less experienced teammates or check routine, non-complex tasks as needed.

Required qualifications, capabilities, and skills

• Basic or intermediate knowledge of global payment processing operations or similar operations, including understanding of standard operating procedures and customer-specific instructions.
• Skilled in effective execution and task management, with strong time management abilities to ensure timely and accurate completion of work while adhering to established policies and procedures.
• Proven ability in decision making and problem solving, utilizing critical and analytical thinking to ensure accuracy and effective solutions in moderately complex situations.
• Demonstrated communication skills and emotional intelligence, including a growth mindset and personal resiliency, to collaborate productively with management, teams, and other stakeholders in diverse and dynamic environments.
• Ability to collaborate with stakeholders and cross-functional teams to solve problems, influence outcomes, and drive continuous improvement initiatives in payment processing.
• Basic or intermediate computer, software, and technical skills, including alpha/numeric data entry and typing skills.
• Basic understanding of cybersecurity controls and anti-fraud strategies to assist in identifying and addressing potential threats to protect information and systems.

Preferred qualifications, capabilities, and skills

• Knowledge of ISO or Swift message processing or management.
• Demonstrated ability to apply automation technologies to streamline operational processes.
• Experience in identifying and addressing cybersecurity threats and applying anti-fraud strategies, with a focus on protecting information and systems.
• Exposure to AI-enabled tools and willingness to adopt emerging technologies that support process improvement and operational excellence

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 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.

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.