Client Operations Manager III

JPMorganChase; Plano (TX); On-site; USD 120,000 - 170,000; Full time

Benefits offered by this job

Health care coverage

Retirement savings plan

Tuition reimbursement

Mental health support

On-site health centers

Job summary

JPMorgan Chase invites you to join Global Card Operations as a Payments Governance Risk Policy Client Operations Manager III in Plano, TX. You will lead risk policy oversight, review high-risk merchant activity, and coordinate with third-party processors to ensure compliance with card network rules and regulations.

You will analyze risk evidence, produce executive-level reports, mentor teams, and drive continuous improvement across procedures and controls in a fast-paced environment.

Qualifications

• Experience in Merchant Services, payments, and evaluating merchant models.
• Deep knowledge of card network rules and regulatory requirements.
• Excellent executive communication and decision-making under pressure.

Responsibilities

• Serve as SME on risk themes and policy oversight for third-party processing.
• Primary contact for risk escalations within Merchant Services and due diligence.
• Evaluate merchant models and processor controls for regulatory alignment.
• Document prohibited and restricted products and communicate requirements.
• Identify compliance gaps and propose remediation strategies.
• Deliver management reports to executive stakeholders during onsite fieldwork.
• Collect, organize, and analyze evidence for risk reviews.
• Collaborate cross-functionally to align risk practices.
• Contribute to SOP and change-management improvements in risk practices.

Skills

Merchant Services

Card networks

Executive presence

Communication

Risk management

Stakeholder management

Analytical skills

Microsoft Excel/PowerPoint

On-site collaboration

Education

Bachelor's degree in a relevant discipline

Professional accreditations (auditor/regulator)

Tools

Python

BigQuery

Looker/Tableau

Job description

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.

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 escalte 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.

About Us

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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission‑based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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

About The Team

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.