Help resolve time-sensitive payment inquiries that matter to clients and partners every day. In this role, you will bring analytical thinking, ownership, and a strong risk mindset to complex investigations. You will collaborate across operations and client-facing teams to drive timely outcomes. You will also contribute to process improvements that strengthen controls and reduce recurring issues.
Job summaryAs a Payment Investigations Associate in the Payments Investigations team (Europe, Middle East and Africa), you will independently manage complex and aging payment investigations and drive timely resolution through effective partnership and clear communication. You will apply sound judgment to assess risk, escalate appropriately, and ensure thorough documentation. You will also support daily operational delivery by coordinating priorities and helping strengthen team capability through knowledge sharing and coaching.
Job responsibilities- Own complex and aging payment investigations from initial review through resolution, ensuring appropriate follow-through and documentation
- Investigate payment inquiries by analyzing data across multiple systems and sources to confirm status, determine root cause, and define next steps
- Manage escalations and apply sound judgment to identify and escalate material client, operational, financial, or control risks through appropriate channels
- Partner with internal teams and external counterparties to obtain information and progress investigations to timely resolution
- Provide subject-matter support on complex transactions and inquiries, offering guidance to colleagues as needed
- Coordinate day-to-day priorities by monitoring aging items, capacity, and service risks, and helping to balance workloads
- Track quality and service outcomes, identify recurring drivers of defects, and support corrective actions to prevent repeat issues
- Maintain a strong control environment by following established procedures and identifying, documenting, and escalating exceptions or control concerns
- Maintain and improve procedures, job aids, and supporting documentation as processes, systems, and requirements evolve
- Support change delivery activities such as testing, process migrations, and implementation of enhancements, as needed
- Promote consistent investigation practices across locations by sharing knowledge, reinforcing standards, and supporting operational resilience
Required qualifications, capabilities and skills- Experience in payments, banking operations, financial services investigations, or a comparable operational environment
- Knowledge of international payment processing and the end-to-end payment lifecycle
- Working knowledge of SWIFT and/or ISO 20022 payment messaging standards and international payment conventions
- Ability to independently investigate and resolve complex payment inquiries, exceptions, and escalations
- Analytical and problem-solving skills, including the ability to assess information from multiple sources and identify root causes
- Demonstrated ownership mindset, including the ability to drive issues to resolution with appropriate escalation
- Risk and control mindset, including the ability to identify operational and client risks and exercise sound judgment
- Stakeholder management skills, with the ability to build effective working relationships across functions and locations
- Strong written and verbal communication skills in English
- Ability to manage competing priorities in a high-volume, time-sensitive operational environment
- Proficiency with Microsoft 365 and the ability to learn new tools, systems, and reporting applications
Preferred qualifications, capabilities and skills- Experience in payment investigations, payment processing, cash operations, or a related payments function
- Experience with cross-border and multi-currency payments and financial institution inquiries
- Strong working knowledge of SWIFT and ISO 20022 messaging, clearing and settlement concepts, and correspondent banking practices
- Experience managing complex client, bank, or internal stakeholder escalations
- Experience providing informal leadership (for example, serving as a buddy, trainer, workflow coordinator, or subject-matter resource)
- Experience supporting operational controls, procedure management, quality assurance, or risk remediation activities
- Experience supporting change initiatives such as process migrations, automation, testing, or technology enhancements
ABOUT USJPMorganChase, 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 TEAMJ.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.
