Payment Lifecycle Specialist IV

Support day to day payment investigations across the end to end lifecycle. Resolve complex ACH inquiries, including exceptions, breaks, and client‑impacting issues. Manage ACH returns and recalls with a strong focus on accuracy, risk awareness, and control. Partner closely with internal stakeholders and external clients to provide clear updates and resolution outcomes. By combining deep ACH expertise with disciplined execution, help drive timely, controlled processing and a superior client experience.

As a Payment Lifecycle Specialist IV in the Payment Lifecycle Investigations team, you support the day to day investigation of payments that need extra attention or review. You resolve inquiries related to automated clearing house payments, including complex questions on returns and recalls. You work closely with internal partners and external clients to provide clear, timely updates and outcomes, fostering a collaborative, client‑first culture. You help maintain strong controls by handling every case with accuracy, transparency, and good judgment. In this role, you play a key part in protecting clients, reducing risk, and keeping critical payment flows running smoothly-work that supports our clients and strengthens the wider payments community.

Job Responsibilities

• Support day to day payment investigations, focusing on end to end resolution of payment breaks, exceptions, and inquiries.
• Lead detailed investigations into automated clearing house payments, including research on missing, delayed, duplicate, or misdirected transactions.
• Manage automated clearing house returns, recalls, and related adjustments in a timely, controlled, and well documented manner.
• Serve as a subject matter expert on automated clearing house processes, rules, and best practices, providing guidance to team members and partners.
• Act as a key point of contact for internal stakeholders and external clients on complex payment and automated clearing house investigation cases.
• Analyze investigation trends and root causes to identify control gaps and recommend process or system improvements.
• Partner with operations, product, technology, and risk teams to resolve issues that impact payment flows or client experience.
• Ensure all investigations adhere to internal controls, regulatory requirements, and documented procedures.
• Prepare clear, concise case notes and investigation summaries that support accurate reporting and audit readiness.
• Contribute to team knowledge sharing by creating and maintaining investigation playbooks, job aids, and reference materials.
• Support a strong team culture by modeling accountability, collaboration, and client first decision making.

Required qualifications, capabilities, and skills

• Bachelor's degree or equivalent experience.
• 2 years of hands‑on experience in payment or transaction investigations focused on automated clearing house items.
• Strong working knowledge of automated clearing house payment flows, returns, recalls, and exception handling.
• Familiarity with automated clearing house network rules and guidelines, such as National Automated Clearing House Association standards.
• Excellent verbal and written English communication skills, with the ability to explain complex issues to non‑technical audiences.
• Proven ability to analyze data, identify root causes, and make sound, time‑sensitive decisions.
• Meticulous attention to detail and accuracy when reviewing transactions and documentation.
• Ability to manage multiple investigations simultaneously while meeting defined turnaround times.
• Experience in a controlled, procedures‑driven operations or investigation environment.
• Proven ability to build collaborative relationships with internal partners and external clients.
• Proficiency using multiple systems and tools to research, document, and resolve investigation cases.

Preferred qualifications, capabilities, and skills

• Experience in a back office operations environment at a foreign or global bank.
• Experience processing end to end automated clearing house payments, including setup, execution, and exception handling.
• Hands on experience using case management or workflow tools to track, investigate, and resolve payment related cases.
• Exposure to treasury services products, such as cash management or liquidity solutions, and their related payment flows.
• Experience supporting or investigating wire payments and their life cycle.
• Ability to interpret and apply payment network rules and guidelines in practical scenarios.
• Proven track record in a high volume, time sensitive operations or investigations environment.

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.

Client-provided location(s): Bonifacio Global City, Philippines

Job ID: JPMorgan-210726231

Employment Type: FULL_TIME

Posted: 2026-03-25T19:29:47