Applied AI/ML Senior Associate - Payments

J.P. Morgan; New York (NY); On-site; USD 110,000 - 140,000; Full time

Job summary

J.P. Morgan is looking for a Sr. Associate Applied AI/ML Scientist to join the Payment Solutions team in New York. In this role, you will leverage AI and machine learning technologies to enhance payment solutions and drive business growth. Your work will involve designing scalable data processing pipelines and developing models that improve transaction integrity and customer experience.

The ideal candidate will hold a Master’s degree in a quantitative field and have expertise in Python, machine learning frameworks, and large-scale data processing, particularly in AWS environments.

This position commits to diversity and inclusion as core values in the workplace.

Qualifications

• Master’s degree with 3 years of industry experience in a quantitative field.
• Experience with AI/ML technologies and AWS for data processing.
• Proficient in Python and related ML frameworks.

Responsibilities

• Collaborate with cross-functional teams to understand business problems.
• Design and deploy AI/ML solutions aligned with business goals.
• Translate model outcomes into business impact metrics.

Skills

Shell Scripting

Jupyter notebook/Lab

SQL

PySpark

AWS Cloud Services

Python

Machine Learning

Natural Language Processing

Deep Learning

Education

Master’s degree in a quantitative discipline

Tools

TensorFlow

PyTorch

NumPy

Scikit-Learn

Pandas

AWS EMR

Job description

Sr. Associate Applied AI/ML Scientist – Payment Solutions Team

As a Sr. 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 payment solutions and stimulate business expansion. Your role will involve researching, experimenting, developing, and transitioning high-quality machine learning models, services, and platforms into production 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. Working in collaboration with cross‑functional teams, you will identify opportunities for AI/ML applications within the payments ecosystem.

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 machine learning and 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

• 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.
• 2+ years of hands‑on experience with large‑scale data processing on AWS EMR, building robust batched feature stores (offline/online pipelines, schema governance, backfills, reproducibility), and orchestrating SageMaker training, pipelines, and model registry for production ML.
• 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.
• 1+ years of extensive experience in Natural Language Processing (NLP) or Large Language Models (LLM), AgenticAI, and 3+ years of extensive experience in other machine learning techniques, including classification, regression algorithms.
• Strong hands‑on expertise in neural networks and Transformers, including practical experience with Fine‑tuning strategies (e.g., full fine‑tuning and parameter‑efficient methods).
• Experience building data‑driven systems using SQL and distributed processing (e.g., Spark/PySpark or equivalent).
• 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.

Preferred Qualifications

• Experience in the financial services industry, particularly within investment banking operations.
• Cloud computing: Amazon Web Service, Azure, Docker, Kubernetes, DataBricks, Snowflakes.
• Trust & Safety (T&S) fraud experience in payments, designing and deploying ML models for account takeover, transaction fraud, promotion abuse.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans