Payments Lifecycle Associate

**JOB DESCRIPTION**

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.

**Job Summary**:
**Job responsibilities**
- Review and process payments across various products, ensuring accurate and timely fund transfers, while resolving production or quality issues and escalating delays to management and stakeholders.
- Manage and deliver moderately complex payment lifecycle projects, contributing to client experience, transformation initiatives, and process optimization.
- Lead or contribute to operational initiatives, providing expertise in automation, process re-engineering, risk management, cybersecurity, and anti-fraud opportunities.
- Conduct research and data analysis to resolve non-routine payment lifecycle issues, including cash, trade, merchant, or commercial card transactions, and fraud detection.
- Build effective relationships with stakeholders and teams to drive mutually beneficial outcomes, ensure smooth operations, and participate in fraud prevention and talent development.
- Process and validate billing payments and adjustment processes, reports, and reconciliation requirements.
- Understand, develop, and implement automation or efficiency solutions for manual processes. Coordinate and participate in process improvement initiatives.
- Partner with Reconciliation and Finance teams ensuring all clearing standards are upheld within SLAs. Manage all payment-related material and processes within SLA and ensure accuracy.
- Research and resolve out-of-balance conditions in Payment-in-Process (PIP), General Ledger (G/L), and Nostro accounts owned by TS Billing Operations.
- Provide functional support to colleagues, including training, coaching needs, and process escalations. Support and deliver assigned operations objectives and key results.

**Required qualifications, capabilities, and skills**
- Demonstrated ability in operations leadership or management within payments, with at least two years of experience, showcasing advanced knowledge of global payment processing operations, products, and systems architecture to effectively support efficiency and change management.
- Demonstrates self-reliance and a proactive approach to problem-solving, with the ability to navigate dynamic environments and shifting workloads across complex products.
- Proficient in data analysis techniques, capable of interpreting and communicating insights to inform decision-making with senior stakeholders.
- Applies a commercial and growth mindset to adapt to fast-paced operations and new business initiatives, leveraging strong interpersonal skills to optimize relationships and collaboration.
- Understands cybersecurity controls and anti-fraud strategies to protect information and systems, with familiarity in continuous improvement methodologies and design thinking techniques.
- Proficient in using automation technologies to optimize payments processing, with a proven track record in enhancing customer experience throughout the customer journey.
- Presentation - Ability to create presentations for all levels of management and effectively report with an executive presence. Experience creating complex reporting with compelling key messages
- Risk & Controls - Ability to work with audit, compliance and regulatory constituencies to manage work in accordance with established procedures. Demonstrates accountability for work processes and the associated risks and controls. Demonstrates ability to raise issues to relevant stakeholders or management with respect to the control environment
- Project Management - Ability to lead an initiative, prioritize work and meet deadlines. escalating any issues to management

**Preferred qualifications, capabilities, and skills**
- Knowledge of ISO or Swift message processing or management.
- Alteryx certification
- Bachelor’s Degree, preferably majored in Finance, Economics, Statistics, Math, Business Administration, or Computer Science
- Accounting, G/L, SAP system and payment processing knowledge is a plus.
- Flexibility working on occasional APAC / EMEA / WHEM shift

**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, n