Payment Lifecycle Specialist

2 days ago

Bengaluru, Karnataka, India JPMorganChase Full time ₹ 12,00,000 - ₹ 36,00,000 per year
Description
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 IV 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 either procedural issues or operational errors that may arise during payments processing including upholding compliance and risk standards.
  • Collaborate with cross-functional and cross-locational teams and clients, maintaining productive relationships to drive mutually beneficial outcomes in line with team objectives.
  • Detect and escalate potential fraudulent threats and help prevent financial and reputational damage to the institution.
  • Contribute to process optimization initiatives including projects to identify inefficiencies, improve quality, and enhance the customer experience.
  • Learn and apply skills in innovation, market product knowledge, and artificial intelligence to identify opportunities to improve or optimize payment lifecycle processes.
  • Monitoring and clearing processing queue. Cheque clearing including Inward, Outward & Collection products.
  • Working on Swift / ISO payment processing Local & FX including serial and cover payments
  • Supporting payment activities such as manual instruction validation, Nostro Recon, EOD Reconciliation, Fund control Checks, etc.
Required qualifications, capabilities, and skills
  • 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.
  • Proven ability in decision making and problem solving, utilizing critical and analytical thinking to ensure accuracy and effective solutions in moderately complex situations.
  • Proficiency in data analysis techniques, with the ability to interpret and communicate data effectively to inform decision-making processes.
  • 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.
  • Knowledge of ISO or Swift message processing or management.
 

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