Payment Lifecycle Associate

Payment Lifecycle Associate I Join a team shaping the future of digital payments and drive your professional growth. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment. As a Payment Lifecycle Associate I within Payments Operations, you will enhance our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions, while managing payment processing across various products to ensure smooth fund transfers and reconcile purchase and sales options, futures, or securities. Leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness, you will ensure the security and efficiency of our payment lifecycle. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, while 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 Execute daily BAU processing and verification of cash wires in a controlled, risk-focused environment. Review, analyze, and publish daily/weekly operational data from multiple tools; reassess operational risk as business, regulatory, process, staffing, and technology changes occur. Drive operations efficiency by identifying improvement opportunities, proposing ideas, and implementing process/control enhancements. Participate in and deliver mandatory projects (process improvement, automation, control uplift, client/service enhancements). Partner with Product, Network, Technology, and Client Service teams to improve efficiency and client experience. Support audit and control activities, including audit reviews and internal QA/QC checks with internal controls teams and external auditors. Ensure timely review and re-certification of procedures, Operating Service Agreements, and Business Resiliency plans. Manage performance reviews for direct reports and support career development through goals and coaching. Build backup coverage plans and drive cross-training to ensure knowledge transfer across teams. Required qualifications, capabilities, and skills Knowledge of custody cash operations, SWIFT MT and ISO 20022 standards, and relevant cash/payment message types (e.g., MT103, MT202, MT210, MT304, MT321, MT199, MT192, MT292, MT599 and ISO 20022 messages such as pacs.•, camt.•, pain.•). Flexible to support India night shift coverage for the North America region; able to manage tight deadlines, stay organized, and balance priorities. Strong analytical and problem-solving skills; proactive in driving controls, change, and efficiency improvements. Project execution/delivery is a must (plan, execute, track, and deliver outcomes). Understanding of program/project risk in a changing environment. Strong verbal and written communication; proficiency in MS Excel and ability to present clearly in PowerPoint. Client-focused and proactive in delivering “best-in-class” outcomes. Bachelor’s degree (or equivalent) with minimum 4 years of experience. Preferred qualifications, capabilities, and skills MBA (Finance) or equivalent. Strong understanding of financial markets products and transaction lifecycle. Experience with data/automation tools such as Xceptor, Tableau, and Alteryx. Prior people management experience; self-starter with ability to learn and coach others. 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