Applied AI/ML Senior Associate

JPMorgan Chase & Co.; New York, Northern (NY, KY); Hybrid; USD 160,000 - 210,000; Full time

Job summary

JPMorgan Chase & Co. in New York invites a Senior Associate Applied AI/ML Scientist within our payments solutions team to advance artificial intelligence and machine learning capabilities across the payments lifecycle, fraud detection, and customer experience.

You will research, develop, and deploy scalable models and data pipelines, collaborate with product, risk, and technology teams, and translate model outcomes into measurable business impact for a global payments platform.

Qualifications

• Master’s degree in a quantitative field with at least 3 years of industry experience.
• Proficient in Python with experience in ML and DL frameworks (TensorFlow, PyTorch) and libraries (NumPy, pandas, scikit-learn).
• Experience designing agentic systems and tooling like LangChain, LangGraph, MCP, DSPy.
• Strong knowledge of ML/AI algorithms, including NLP/LLM and computer vision.
• Ability to translate business questions into structured analytical plans and communicate with senior stakeholders.

Responsibilities

• Collaborate with Product, Technology, Risk, and Compliance teams to define data-driven AI solutions for payments domain.
• Design, develop, and deploy agentic AI/LLM systems meeting business success metrics while balancing scalability and latency.
• Build scalable data processing pipelines and conduct analyses to derive actionable insights.
• Present model outcomes and business impact to senior management.

Skills

Python

Machine Learning

Deep Learning

NLP/LLM

Communication & Stakeholder Management

Problem Solving & Analytical Thinking

Education

Master's degree in a quantitative discipline

Tools

Jupyter Notebook/Lab

SQL

PySpark

AWS Cloud Services

LangChain

LangGraph

Model Context Protocol (MCP)

DSPy

TensorFlow

PyTorch

Job description

As part of the Commercial & Investment Bank, J.P. Morgan Payments enables organizations of all sizes to execute transactions efficiently and securely, transforming the movement of information, money and assets. We tackle complex challenges at every stage of the payment lifecycle and our industry-leading solutions facilitate seamless transactions across borders, industries and platforms. Operating in over 160 countries and handling more than 120 currencies, we are the largest processor of USD payments, with a daily transaction volume of $10 trillion.

As a Senior Associate Applied AI/ML Scientist within our payment solutions team, you will be instrumental in utilizing artificial intelligence and machine learning technologies to augment our services and stimulate business expansion. Your role will involve researching, experimenting, developing, and implementing high-quality machine learning models, services, and platforms to streamline payment processes, bolster fraud detection, and enrich customer experience. You will also be tasked with designing and executing highly scalable and dependable data processing pipelines, conducting analysis, and deriving insights to boost and optimize business outcomes. Collaborating with cross-functional teams to pinpoint opportunities for AI/ML applications within the payment’s ecosystem will also be a part of your responsibilities.

Job Responsibilities:

• Actively collaborate with Product, Technology, and other cross-functional teams to gain a deep understanding of complex business problems and formulate data-driven solutions to address these challenges in key areas of the payments’ domain.
• Design, develop, and deploy agentic systems using Large Language Models (LLM), machine learning and other AI solutions that meet success metrics aligned with business goals, while considering constraints such as model complexity, scalability, and latency.
• Partner with Risk and Compliance teams to ensure comprehensive model documentation, track performance metrics, and maintain adherence to regulatory compliance standards.
• Translate model outcomes into business impact metrics and communicate complex concepts to senior management and stakeholders.

Required qualifications, capabilities, and skills:

• Master’s degree in a quantitative discipline (e.g., Computer Science, Data Science, Mathematics/Statistics, or Operations Research) with a minimum of 3 years of industry experience. Experience with Shell Scripting, Jupyter notebook/Lab, SQL, PySpark, and AWS Cloud Services is required.
• Proficient in Python with hands-on experience in Machine learning and Deep learning frameworks (e.g., TensorFlow, PyTorch) and libraries (e.g., NumPy, Scikit-Learn, Pandas). Experience with Jupyter Notebook/Lab is essential.
• Extensive knowledge in the design and development of agentic systems and the tooling ecosystem such as LangChain, LangGraph, Model Context Protocol (MCP), DSPy, etc.
• Solid Understanding of algorithms in machine learning, AI, and neural network, including Large Language Models (LLM) and Generative AI as well as familiarity with state-of-the-art practices and advancements in these domains.
• Ability to set the analytical direction for projects, transforming vague business questions into structured analytical plans. You possess strong cognitive and communication skills, characterized by clear and articulate expression. You excel at identifying core issues, bringing order to chaos, synthesizing insights, and driving decisive outcomes.
• Extensive experience in Natural Language Processing (NLP) or Large Language Models (LLM),or Computer Vision and other machine learning techniques, including classification, regression algorithms.

Preferred Qualifications, capabilities and skills

• Experience in the financial services industry, particularly within investment banking operations.
• Cloud computing: Amazon Web Service, Azure, Docker, Kubernetes, DataBricks, Snowflakes.
• Familiarity with inference-time algorithms such as Chain of Thought and sampling, etc.