Client Operations Manager III

JPMorgan Chase; Plano (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

JPMorgan Chase invites you to join Global Card Operations as a Payments Governance Risk Policy Client Operations Manager III. The role supports Third Party Payment Processing Governance and Risk Policy oversight, driving policy adherence and risk management initiatives.

You will conduct risk assessments, communicate with executives, and collaborate with internal teams to deliver robust controls and effective governance. Strong leadership and merchant services experience are highly valued.

Qualifications

• Must have proven experience in Merchant Services, Payments, card networks, and evaluating merchant business models.

Responsibilities

• Serve as SME on heightened risk themes, merchant services risk appetite, and risk policy decision tree.
• Act as primary contact for risk escalations within Merchant Services and MCC changes.
• Evaluate merchant business models and third-party processor control frameworks for compliance with card networks.

Job description

Are you seeking an opportunity to make a meaningful impact in the payments and merchant services industry? JPMorgan Chase invites you to join our Global Card Operations organization as a Payments Governance Risk Policy Client Operations Manager III. In this role, you will contribute to critical initiatives that shape the future of Third Party Payment Processing Governance and Risk Policy Oversight. You will have the opportunity to advance your expertise and drive results in an environment that fosters innovation, collaboration, and professional growth.

As a Payments Governance Risk Policy Client Operations Manager III within the Payments Governance Team, you will play a pivotal role in supporting our mission and delivering value to both the firm and the broader community. You will work alongside a team committed to excellence, leveraging diverse perspectives to achieve outstanding outcomes.

Job responsibilities

• Serve as the subject matter expert on heightened risk themes, Merchant Services risk appetite, and the firm's risk policy decision tree, providing authoritative guidance on risk-related matters.
• Act as the primary point of contact for reviewing and resolving risk escalations within Merchant Services, including High-Risk Merchant Category Code (MCC) changes, periodic reviews, and escalations involving business models that require enhanced due diligence.
• Evaluate merchant business models and assess the control frameworks of third-party payment processors, ensuring alignment with card network rules, regulatory requirements, and Payments Governance due diligence standards.
• Maintain comprehensive and accurate documentation of prohibited and restricted products and services, and effectively communicate these requirements to internal stakeholders and relevant business partners.
• Demonstrate deep expertise in card network rules and regulatory requirements, proactively identifying compliance gaps and recommending remediation strategies.
• Exhibit strong client-facing skills, including the ability to conduct onsite fieldwork at client corporate offices and deliver insightful management reports to executive stakeholders.
• Systematically collect, organize, and analyze substantial evidence to support the completion of thorough assessment packages and risk reviews.
• Foster collaboration with internal partners, ensuring cross-functional alignment and effective communication across teams.
• Contribute to the ongoing enhancement of standard operating procedures and change management processes, driving continuous improvement in risk management practices.

Required qualifications, capabilities, and skills

• Proven experience in Merchant Services, Payments, card networks, and evaluating merchant business models and third-party processor control frameworks.
• In-depth knowledge of card network rules, regulatory requirements, and risk management practices within the payments industry.
• Demonstrated executive presence, with exceptional presentation skills and the ability to make sound decisions under pressure.
• Outstanding interpersonal, written, and verbal communication skills, with a proven ability to present, influence, and engage effectively at the executive level.
• Strong analytical skills, with the ability to quickly identify areas of risk and compliance vulnerability, and to escalate issues appropriately.
• Advanced stakeholder management capabilities, including navigating complex situations, negotiating timelines, and influencing internal and external stakeholders across organizations and geographies.
• High degree of initiative and independence, with the ability to prioritize and manage multiple complex situations to achieve successful outcomes.
• Proven ability to handle competing priorities and consistently meet deadlines in a fast‑paced environment.
• Proficiency in Microsoft Suite applications, including Excel, Access, and PowerPoint, with the ability to develop high-quality presentations, graphs, and analytics.
• Commitment to fostering a business climate and culture that promotes integrity, respect, excellence, and innovation.

Preferred qualifications, capabilities, and skills

• Minimum of 3 years of experience demonstrating leadership, influence, and the ability to drive initiatives within your area of expertise, including mentoring peers and leading cross‑functional projects.
• 5+ years of client‑facing or front‑office experience within the financial services or payments industry.
• Academic qualifications in a relevant discipline, supported by professional accreditations and substantial experience as an auditor, financial industry practitioner, or with one or more banking regulatory partners.
• Familiarity with Payment Brand program rules and requirements, including Visa, Mastercard, and Discover, is highly desirable.
• Experience with data analysis tools and methodologies, such as Python, BigQuery, Looker, or Tableau, is beneficial.

Equal Opportunity & Inclusion Statement

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