JP Morgan Chase – Payment Lifecycle Associate J.P. Morgan

The Corporate Institute; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

JPMorganChase in Mumbai seeks a Payment Lifecycle Associate I to enhance payment operations, streamline processes, and implement new technologies. You will manage payment processing across products, reconcile settlements, and support automation, cybersecurity, and anti-fraud initiatives.

The role requires strong collaboration with stakeholders, leadership, and problem-solving skills, with a focus on improving efficiency and security across the payment lifecycle.

Qualifications

• Master's degree with 3+ years in financial operations or equivalent
• Experience in international payment processing and investigations
• Proficiency with SWIFT and international payment conventions
• Strong communication and leadership abilities
• Analytical mindset and proactive problem solving

Responsibilities

• Review and process payments across various products, ensuring accurate and timely fund transfers; escalate delays to management
• Manage and deliver moderately complex payment lifecycle projects focusing on client experience and process optimization
• Lead or contribute to operational initiatives in automation, risk management, cybersecurity, and anti-fraud
• Conduct research and data analysis to resolve non-routine payment lifecycle issues including cash, trade, merchant, or card transactions
• Apply systems architecture and automation knowledge to identify inefficiencies and define project metrics
• Build relationships with stakeholders to drive mutually beneficial outcomes and support fraud prevention and talent development

Skills

International payments

Fraud awareness

Stakeholder management

Automation & analytics

Cybersecurity basics

Process improvement

Leadership

Education

Master's degree in Finance

Graduate with 6+ years in Ops

Tools

SWIFT knowledge

ISO knowledge

Payment systems

Job description

Description: Join a team shaping the future of digital payments and drive your professional growth. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment.

As a Payment Lifecycle Associate I within Payments Operations, you will enhance our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions, while managing payment processing across various products to ensure smooth fund transfers and reconcile purchase and sales options, futures, or securities. Leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness, you will ensure the security and efficiency of our payment lifecycle. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, while your strategic planning skills will guide our direction and resource allocation decisions. Additionally, your proficiency in AI/ML will be utilized to solve complex problems and enhance processes, applying your knowledge in market product and process improvement to optimize our operations.

Job responsibilities

• Review and process payments across various products, ensuring accurate and timely fund transfers, while resolving production or quality issues and escalating delays to management and stakeholders.
• Manage and deliver moderately complex payment lifecycle projects, contributing to client experience, transformation initiatives, and process optimization.
• Lead or contribute to operational initiatives, providing expertise in automation, process re-engineering, risk management, cybersecurity, and anti-fraud opportunities.
• Conduct research and data analysis to resolve non-routine payment lifecycle issues, including cash, trade, merchant, or commercial card transactions, and fraud detection.
• Apply knowledge of systems architecture and automation technologies to identify inefficiencies, improve quality, and enhance customer experience, while defining project requirements and metrics.
• Build effective relationships with stakeholders and teams to drive mutually beneficial outcomes, ensure smooth operations, and participate in fraud prevention and talent development.

Required Qualifications, Skills and Capabilities:

• Masters Degree (e.g. CA, ICWA, MBA) with 3+ years of post-qualification experience in a similar environment, or Graduate with 6+ years of Financial Operations Processing/Investigations experience, including team management, in a similar environment
• Experience and a good working knowledge of various aspects of International Payment Processing Operations & /or Investigations and Compensations function.
• Working/Expert Knowledge of SWIFTS & international payment conventions & practices is a must.
• Good Interpersonal skills to be able to communicate internally & externally and at all levels.
• Demonstrate leadership and people management skills.
• Demonstrate ability to build excellent business relationships within the site and across the business.
• A proactive approach to problem solving, taking ownership of issues and committed to follow through. Escalate issues as appropriate.
• Proficiency in Computer, project management, and analytical skills.

Preferred Qualifications, Skills and Capabilities:

• Knowledge of ISO or Swift message processing or management.
• Prior Experience in Client and Third party banks investigations/Compensations for Multicurrency payments will be an added advantage

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.