Payment Lifecycle Specialist IV - ACH Operations

Aumni; Metro Manila; On-site; PHP 500,000 - 900,000; Full time

Job summary

JPMorganChase is seeking a Payment Lifecycle Specialist IV to strengthen daily operations across real-time payments and B2C schemes. You will provide end-to-end operational support, monitor transaction health, perform reconciliations, and support early-stage digital payment products to ensure readiness and effective issue management.

You will collaborate across product, operations, monitoring, incident management, and technology teams to scale the operating model as new rails and client needs

Qualifications

• Experience in payments operations or financial services operations.
• Strong analytical, mathematical, and problem-solving skills.
• Excellent written and verbal communication; ability to convey issues and outcomes to management.
• Proficiency in Microsoft Excel for analysis of large datasets.
• Able to work across teams, exercise diplomacy, and drive process improvements.
• Adaptable to fast-changing priorities and support ongoing change.
• Working knowledge of payment lifecycle concepts (reconciliation, transaction monitoring, controls).
• Strong attention to detail and adherence to documented procedures.

Responsibilities

• Analyze operational requirements for completeness, consistency, and clarity, aligning them to established standards.
• Post-settlement reconciliation activities and investigate breaks to resolution.
• Monitor transactions end-to-end and escalate anomalies per procedures.
• Define operational requirements for payment scheme support with stakeholders.
• Scale operating model with new payment rails and client needs.
• Build expertise in product flows and operational processes to manage changes.
• Coordinate with product, monitoring, incident management, project management, and tech teams to manage dependencies.
• Produce and maintain operational reporting, KPIs, and data-driven insights.
• Identify process gaps and support improvements that streamline workflows and strengthen controls.

Skills

Payments operations

Analytical skills

Communication skills

Excel

Cross-team collaboration

Change management

Reconciliation

Transaction monitoring

Operational controls

Attention to detail

Tools

Excel

Office Suite

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.

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.

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. Support real-time payments operations through monitoring, reconciliation, analytics, and operational issue management.