Payment Lifecycle Specialist IV - ACH Operations

JP Morgan Chase; Manila; On-site; PHP 600,000 - 800,000; Full time

Job summary

JPMorgan Chase in Manila is seeking a Payment Lifecycle Specialist IV to provide end-to-end operational support across real-time payments and B2C schemes. You will help establish scalable processes, monitor transaction health, and perform reconciliations to maintain high-quality service.

You will partner with multiple teams to define requirements, manage changes, and contribute to process improvements while building expertise in product flows and operational controls.

Qualifications

• Experience in payments operations or related financial services roles.
• Strong analytical, mathematical, and problem-solving abilities.
• Excellent written and verbal communication, ability to convey issues clearly to management.
• Excel proficiency for analysis of large datasets.
• Ability to work across teams and influence outcomes to deliver improvements.
• Adaptability to fast-changing priorities and ongoing change.

Responsibilities

• Analyze operational requirements for completeness and alignment to standards.
• Perform post-settlement reconciliation and investigate breaks to resolution.
• Monitor end-to-end transactions and elevate anomalies per procedures and controls.
• Define operational requirements for payment scheme support with stakeholders.
• Collaborate with teams to scale the operating model as rails expand.
• Build subject matter expertise in product flows and processes to manage change.
• Coordinate with product, monitoring, incident, project and technology teams to manage dependencies.
• Produce and maintain operational reporting, KPIs, and data-driven insights.
• Identify gaps and support improvements that streamline workflows and strengthen controls.

Skills

Analytical skills

Problem solving

Communication

Cross-team collaboration

Data analysis

Excel

Reconciliation

Attention to detail

Tools

Excel

Job description

You will help strengthen daily operations, improve controls, and support new digital payment capabilities as they grow. If you enjoy solving problems, collaborating across teams, and turning data into operational insights, this role is built for you.

As a Payment Lifecycle Specialist IV in the Real-time Payments Operations team, you will provide end-to-end operational support across multiple real-time payments (RTP) and business-to-consumer (B2C) payment schemes. You will help establish scalable processes, monitor transaction health, and perform reconciliations to maintain high-quality service. You will also support early-stage digital payment products by helping ensure operational readiness, effective issue management, and continuous process improvement.

Job responsibilities:

• Analyze operational requirements for completeness, consistency, and clarity, and align them to established operations standards.
• Perform post-settlement reconciliation activities and investigate breaks to resolution.
• Monitor transactions end-to-end and elevate anomalies based on defined procedures and controls.
• Partner with stakeholders and project teams to define operational requirements for payment scheme support.
• Collaborate with internal teams to scale the operating model as new payment rails and client needs expand.
• Build subject matter expertise in product flows, operational processes, and application behavior to manage change and support needs effectively.
• Coordinate with product, operational monitoring, incident management, project management, and technology teams to manage operational dependencies.
• Produce and maintain operational reporting, key performance indicators, and data-driven insights to support performance management.
• Identify process gaps and support improvements that streamline workflows and strengthen operational controls.

Required qualifications, capabilities and skills:

• Experience in payments operations, financial services operations, or a related role.
• Strong analytical, mathematical, and problem-solving skills.
• Strong written and verbal communication skills, with the ability to clearly communicate issues and outcomes to management.
• Proficiency in Microsoft Office, including advanced Microsoft Excel skills for analysis of large datasets.
• Demonstrated ability to work across teams, apply diplomacy, and influence outcomes to deliver process and operational improvements.
• Demonstrated ability to adapt to fast-changing business priorities and support ongoing change.
• Working knowledge of payment lifecycle operations concepts such as reconciliation, transaction monitoring, and operational controls.
• Strong attention to detail and ability to follow documented procedures while exercising sound operational judgment.

Preferred qualifications, capabilities and skills

• Experience in payments, cash, or treasury operations, including operational processes and controls
• Experience supporting global payments operations.
• Understanding of accounting concepts and funds movement processes.