Payment Lifecycle Specialist

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.

About the Role

Join our Payments Operations team as a Payment Lifecycle Specialist IV and 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. This is an opportunity to grow your career in a fast-paced environment.

Key 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 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.

Responsibilities may include sanctions screening, payment investigations, funds control, exception processing, resolving reconciliation breaks, and invoicing or cash management activities.

Requirements & Tech Stack

• 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.
• Proven ability in decision making and problem solving, utilizing critical and analytical thinking.
• Proficiency in data analysis techniques.
• Demonstrated communication skills and emotional intelligence, including a growth mindset and personal resiliency.
• Ability to collaborate with stakeholders and cross-functional teams to solve problems, influence outcomes, and drive continuous improvement initiatives.
• Intermediate computer, software, and technical skills, including alpha/numeric data entry and typing skills.
• Foundational understanding of cybersecurity controls and anti-fraud strategies.

Preferred Qualifications

• Knowledge of ISO or Swift message processing or management.