Payment Lifecycle Specialist - Payment Operations

Be at the heart of accurate, time-critical USD payments processing. You will help deliver a strong client experience by resolving exceptions and responding to inquiries with speed and clarity. You will work in a controlled environment that emphasizes accuracy, risk awareness, and continuous improvement. This role offers opportunities to deepen payments knowledge and strengthen analytical and operational skills. Join JPMorganChase to make a meaningful impact during both steady-state and high-volume periods.

As a USD Payments Operations Specialist in Payments Operations, you process USD payments end to end while ensuring timely execution, accuracy, and strong controls. You monitor exceptions, investigate issues, and provide clear updates to internal and external stakeholders. You follow documented procedures and comply with applicable regulations while identifying suspicious activity and escalating concerns appropriately. You support audits by maintaining required documentation and evidence. You contribute to process improvements and participate in cross-training to support workflow coverage.

Job responsibilities

• Process USD payments end to end, including preparation, verification, release, and completion checks.
• Ensure payments are executed accurately and within required timelines, following documented procedures.
• Apply controls and compliance requirements consistently and escalate issues when appropriate.
• Investigate payment exceptions and resolve breaks through analysis, follow-up, and stakeholder coordination.
• Respond to stakeholder inquiries with clear, timely updates and accurate information.
• Monitor activity for potential fraud indicators and report suspicious activity through appropriate channels.
• Maintain documentation and evidence to support audits, reviews, and operational reporting needs.
• Support production coverage through cross-training and rotation across team functions.
• Perform backup and additional production tasks as needed to maintain service continuity.
• Identify opportunities to improve workflows, controls, and payment processing efficiency.
• Work flexible shifts and weekend coverage as required to support a multi-shift operating model.

• Bachelor's degree (or equivalent practical experience).
• Two years of experience in banking or financial services operations.
• Experience in USD payments processing and payment investigations, including exception handling.
• Working knowledge of SWIFT messaging and international payment processing concepts.
• Strong attention to detail and ability to maintain accuracy in high-volume processing.
• Strong analytical and problem-solving skills, including the ability to investigate breaks and identify root cause.
• Strong written and verbal communication skills and ability to provide clear status updates.
• Ability to manage multiple tasks and prioritize effectively in a fast-paced environment.
• Proficiency in Microsoft Excel and other Microsoft Office applications.
• Demonstrated ability to work independently with appropriate judgment and also collaborate effectively in a team.
• High integrity and ability to handle sensitive information confidentially.

• Experience supporting audits, regulatory reviews, or control testing in payments operations.
• Experience using payment processing platforms and workflow tools to complete investigations and evidence capture.
• Experience producing operational metrics or exception reporting to support performance and risk visibility.
• Familiarity with fraud risk indicators and escalation practices in a payments processing environment.
• Experience participating in process improvement initiatives to reduce breaks and improve turnaround times.
• Experience working in a multi-shift operating model, including weekend coverage.
• Experience cross-training across multiple functions within operations to support coverage and resiliency.

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.