Payment Lifecycle Specialist III

Help keep payments moving when timing and accuracy matter most. In this role, you will support high-volume United States payment processing and play a direct part in delivering reliable, on-time outcomes for clients. You will work in a team environment that values ownership, attention to detail, and proactive risk awareness. If you enjoy operational problem-solving, structured workflows, and improving how work gets done, this is a strong opportunity to grow your payments operations experience.

Job summary (one to five sentences)

As a Payment Lifecycle Specialist III in US ACH, you support day-to-day payment processing and controls for United States payment cut-off coverage. You help us deliver accurate, timely processing by monitoring queues, maintaining reference data, responding to inquiries, and escalating exceptions quickly. You will work closely with partners across operations and service teams, using clear communication, disciplined controls, and a continuous-improvement mindset to reduce errors and protect client outcomes.

Job responsibilities

• Review returned check items for clients enrolled in a zero administrative returns service and take the appropriate follow-up actions.
• Process electronic payment transactions across payment platforms, including timely completion of assigned queues and cut-off activities.
• Maintain reference and static data in payment applications and databases to support accurate processing and service delivery.
• Apply product, process, and data rules to complete updates that impact payment services and end-to-end delivery.
• Validate that processing requests are properly authenticated and authorized, following established risk and control requirements.
• Monitor volumes, exceptions, and unusual activity, and escalate potential issues immediately to management.
• Respond to inquiries received via shared mailboxes and resolve client-impacting items based on urgency and deadlines.
• Meet all processing deadlines and control checkpoints, balancing speed with accuracy and attention to detail.
• Prepare accurate, complete management reporting at agreed intervals.
• Support training and knowledge-sharing to strengthen team capability and consistent execution of procedures.
• Improve current work practices by identifying opportunities for efficiencies, providing backup coverage, and participating in rotation of functions without impacting workflows.

• Bachelor's degree or equivalent practical experience
• Experience in banking or financial services operations
• Ability to work a schedule aligned to United States business hours to support payment cut-off coverage
• Demonstrated ability to follow documented procedures and control steps with a strong focus on risk awareness
• Strong attention to detail and commitment to delivering accurate, deadline-driven work
• Clear written and verbal communication skills in English
• Strong teamwork and stakeholder communication skills across levels (internal and external)
• Proactive problem-solving skills, including ownership of issues through to resolution and timely escalation when needed
• Strong personal computing skills, including proficiency with Microsoft Excel, Word, and PowerPoint

• Experience processing international payments or working in payment operations environments
• Experience in banking or financial services operations, preferably within payments processing or a related operations function
• Working knowledge of Automated Clearing House payment processing conventions and practices
• Experience updating static data or reference data in operations applications or databases
• Experience in back-office operations at a bank or financial services processing organization
• Advanced Microsoft Excel skills (for example, pivot tables, lookups, and structured reporting)
• Familiarity with Microsoft Access and data reconciliation or exception management workflows

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.