Payment Lifecycle Specialist

About The Team

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments.

About the Role

As a Payment Lifecycle Specialist III 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.

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, operational errors, or potential fraudulent threats that may arise during payments processing and help prevent financial and reputational damage to the institution.
• Collaborate with cross-functional and cross-locational teams and clients, maintaining productive relationships to drive mutually beneficial outcomes in line with team objectives.
• Utilize automation technologies to streamline payment operations, enhancing efficiency and accuracy, and contribute to process optimization efforts by identifying inefficiencies in current processes and proposing solutions.
• Contribute to the development and implementation of anti-fraud strategies to detect and prevent fraudulent transactions.
• Informally coach new or less experienced teammates or check routine, non-complex tasks as needed.

Requirements & Tech Stack

• Basic or 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 to ensure accuracy and effective solutions in moderately complex situations.
• 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 in payment processing.
• Basic or intermediate computer, software, and technical skills, including alpha/numeric data entry and typing skills.
• Basic understanding of cybersecurity controls and anti-fraud strategies.

Qualifications

• Knowledge of ISO or Swift message processing or management.
• Demonstrated ability to apply automation technologies to streamline operational processes.
• Experience in identifying and addressing cybersecurity threats and applying anti-fraud strategies, with a focus on protecting information and systems.
• Exposure to AI-enabled tools and willingness to adopt emerging technologies that support process improvement and operational excellence.