Payments Change & Transformation Senior Associate

JPMorgan Chase & Co.; Bournemouth; On-site; GBP 80,000 - 110,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a hands-on Payments Change & Transformation Senior Associate to shape how the function runs, not manage workstreams from the sidelines.

You will own reporting processes, resolve breaks, and handle regulatory queries with real operational insight. You will lead transformation across report automation, platform enhancements and migrations, and the introduction of AI/ML-enabled capabilities, working with Operations, Technology and Compliance to modernize end-to-end

Qualifications

• Hands-on experience in payments operations and regulatory reporting within large financial institutions.
• Deep understanding of end-to-end payments processing lifecycles and related controls.
• Experience with clearing and settlement processes.
• Experience with reconciliation and exception management (break investigation/resolution).
• Knowledge of regulatory reporting obligations (transaction, prudential, AML/KYC).
• Familiarity with reporting areas such as transaction reporting, prudential reporting, and AML/KYC reporting.
• Working knowledge of payments systems and messaging standards (SWIFT, ISO 20022) and related market infrastructure.
• Understanding of data flows, controls, and dependencies that support regulatory report production.
• Proven track record in operational change/transformation and process improvement initiatives.
• Strong delivery and execution skills: managing multiple workstreams and priorities; Agile/Waterfall/hybrid methods, governance, and translating issues into clear requirements and solutions.

Responsibilities

• Serve as an SME for payments operations and regulatory reporting, grounding change in day-to-day operational reality.
• Identify reporting/process pain points, inefficiencies, and risks; translate them into clear change priorities.
• Bridge Operations, Technology, and Compliance to ensure solutions are practical, fit-for-purpose, and controllable.
• Assess regulatory change impacts on reporting processes, controls, and end-to-end data flows.
• Lead delivery of transformation workstreams: report automation, platform rollouts, migrations, and re-engineering.
• Drive adoption of intelligent automation (including AI/ML) in partnership with Technology and Data Science.
• Own the delivery lifecycle: requirements, impact assessment, UAT coordination, cutover planning, and stabilization.
• Deliver change with minimal BAU disruption, protecting data quality, controls, and regulatory compliance.
• Build strong stakeholder relationships across Ops, Tech, Compliance, Finance, and senior leadership.
• Establish governance, status reporting, and escalation paths; communicate updates clearly to senior forums.
• Engage vendors/platform providers as needed to ensure delivery against timelines and quality standards.

Skills

Payments operations

Regulatory reporting

End-to-end processing

Clearing & settlement

Reconciliation & breaks

Data flows & controls

Agile/Hybrid methods

Stakeholder management

AI/ML interest

RegTech familiarity

Tools

SWIFT

ISO 20022

Job description

We’re looking for a hands‑on payments operations and/or regulatory reporting expert who wants to shape how the function runs—not manage workstreams from the sidelines. This role is built for someone who has owned reporting processes, resolved breaks, handled regulatory queries, and knows the real operational pressures first‑hand.

As a Payments Change & Transformation Senior Associatewithin the Payments and Regulatory Reporting team, you will leverage deep operational experience to deliver complex change across report automation, platform enhancements and migrations, and the introduction of AI/ML-enabled capabilities. You will work closely with Operations, Technology, and Compliance to modernize processes end‑to‑end, strengthen controls and data quality, and ensure change is implemented smoothly with minimal disruption to business‑as‑usual delivery.

Job responsibilities

• Serve as an SME for payments operations and regulatory reporting, grounding change in day‑to‑day operational reality.
• Identify reporting/process pain points, inefficiencies, and risks; translate them into clear change priorities.
• Bridge Operations, Technology, and Compliance to ensure solutions are practical, fit‑for‑purpose, and controllable.
• Assess regulatory change impacts on reporting processes, controls, and end‑to‑end data flows.
• Lead delivery of transformation workstreams: report automation, platform rollouts, migrations, and re‑engineering.
• Drive adoption of intelligent automation (including AI/ML) in partnership with Technology and Data Science.
• Own the delivery lifecycle: requirements, impact assessment, UAT coordination, cutover planning, and stabilization.
• Deliver change with minimal BAU disruption, protecting data quality, controls, and regulatory compliance.
• Build strong stakeholder relationships across Ops, Tech, Compliance, Finance, and senior leadership.
• Establish governance, status reporting, and escalation paths; communicate updates clearly to senior forums.
• Engage vendors/platform providers as needed to ensure delivery against timelines and quality standards.

Required qualifications, capabilities, and skills

• Experience in Operations within a top‑tier investment bank, global bank, or major financial institution.
• Hands‑on experience inpayments operationsand/orregulatory reporting operations.
• Strong understanding of end‑to‑endpayments processing lifecycles.
• Experience withclearingandsettlementprocesses.
• Experience withreconciliationandexception management(break investigation/resolution).
• Solid knowledge ofregulatory reporting obligations and frameworksrelevant to financial institutions.
• Familiarity with reporting areas such astransaction reporting,prudential reporting, andAML/KYC reporting.
• Working knowledge of payments systems and messaging standards (e.g.,SWIFT,ISO 20022) and related market infrastructure.
• Understanding ofdata flows, controls, and dependenciesthat support regulatory report production.
• Proven track record inoperational change/transformationand process improvement initiatives.
• Strong delivery and execution skills: managing multiple workstreams and priorities; experience withAgile/Waterfall/hybridmethods, governance, and translating operational issues into clear requirements and solutions.

Preferred qualifications, capabilities, and skills

• Exposure to, or strong interest in,AI/ML, intelligent automation, and/orRegTech applications within operations.
• Familiarity with regulatory reporting platforms(e.g., AxiomSL, OneSumX, Regnology) and/orpayments platforms.
• Experience with data/automation tools and technologies (e.g.,UiPath,Alteryx,Python,SQL) and/or cloud technologies.
• Working understanding of platform architecture concepts, includingAPI integrationsanddata pipelinedesign.
• Project delivery certifications (e.g.,PMP,PRINCE2,Agile/SAFe) are beneficial but not required; domain/operational expertise is prioritized.