Payments Lifecycle Specialist

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.
• Coach, train, or mentor team members to deliver to our high service standards for productivity, quality, and customer experience.
• Interface with other operations departments to research and resolve inquiries, including escalated matters.
• Learn and apply skills in innovation, market product knowledge, and artificial intelligence to identify opportunities to improve or optimize payment lifecycle processes.

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.
• Intermediate computer, software, and technical skills, including alpha/numeric data entry and typing skills.
• Foundational understanding of cybersecurity controls and anti-fraud strategies to assist in identifying and addressing potential threats to protect information and systems.

Preferred qualifications, capabilities, and skills

• Knowledge of ISO or Swift message processing or management.

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.