Lead Applied AI ML for Payments

J.P. Morgan; New York (NY); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorgan Chase & Co. is seeking an Applied AI/ML Lead in Wholesale Payments Operations. You will build enterprise AI/ML solutions, frame problems with senior stakeholders, and plan roadmaps. The role emphasizes production services on AWS, governance, and mentoring engineers.

You will work on document processing, NLP, OCR, and LLM workflows at scale, collaborating with business and technology partners to deliver measurable outcomes.

Qualifications

• Master’s degree in Mathematics, Computer Science, Engineering, or a related quantitative field.
• 6 years of professional AI/ML experience delivering production systems.
• 4 years of advanced Python development in production environments.
• 4 years deploying production ML systems on AWS (SageMaker, Lambda, ECS/EKS, S3).
• Experience delivering AI/ML solutions with measurable business outcomes at scale.
• Experience with OOP, distributed systems, and performance engineering.
• Experience building and deploying LLM-based apps including RAG and fine-tuning.
• Hands-on NLP, CV, OCR, or document AI in production.
• Experience with MLOps tools like MLflow, Kubeflow, Airflow, feature stores, model registries.
• Mentoring engineers and driving multi-quarter roadmaps.
• Strong communication translating business needs to tech deliverables.

Responsibilities

• Frame problems with senior stakeholders and align AI/ML roadmaps to business priorities.
• Lead architecture, design, and end-to-end delivery of enterprise AI/ML solutions for Wholesale Payments Operations.
• Write clean, production-grade code and set engineering standards across the team.
• Champion SDLC, CI/CD, and DevOps practices.
• Deploy and operate AI/ML services on AWS at scale.
• Apply data mining, NLP, OCR, and LLM workflows in production.
• Design scalable data pipelines for model training and inference.
• Enforce MLOps, governance, monitoring, and risk practices; represent in architecture forums.
• Evaluate model performance, drift, and reproducibility.
• Mentor engineers, perform reviews, and support recruiting and talent development.

Skills

Python

NLP

LLM

MLOps

Leadership

Education

Master’s degree in Mathematics, CS, or Engineering

Tools

SageMaker

Kubeflow

Airflow

Terraform

Job description

Join a team applying modern artificial intelligence and machine learning to high-impact, high-scale payments workflows. You will work with large datasets and complex operational processes to deliver measurable outcomes. You will build production-grade solutions spanning natural language processing, document understanding, and LLM-enabled applications. You will collaborate closely with business and technology partners to take ideas from concept to deployment. You will help raise engineering standards and mentor others while shipping real solutions.

As an Applied AI/ML - Lead in Wholesale Payments Operations within Commercial & Investment Bank in JPMorgan Chase, you build and deliver enterprise AI/ML solutions that improve operational efficiency and decisioning. You partner with senior stakeholders to frame problems, define success metrics, and plan roadmaps. You design, implement, and deploy production services on Amazon Web Services (AWS) with strong engineering rigor. You establish model governance, monitoring, and responsible AI practices in line with risk and control requirements. You mentor engineers and lead reviews that improve quality, reliability, and delivery speed.

Wholesale Payments supports global client payments across multiple methods, currencies, and geographies. The role focuses on building scalable AI/ML capabilities for operations use cases, including document processing and workflow automation. You contribute to reusable platforms and patterns that enable teams to safely deploy and operate models in production.

Job responsibilities

• Partner with senior business stakeholders to frame problems, define success metrics, and align AI/ML roadmaps to business priorities
• Lead architecture, design, and end-to-end delivery of enterprise AI/ML solutions for Wholesale Payments Operations
• Write clean, performant, production-quality code and set engineering standards across the team
• Champion modern software development life cycle, continuous integration and continuous delivery, and DevOps practices
• Deploy and operate AI/ML services on AWS at scale
• Apply advanced techniques including data and text mining, document analysis, classification, optical character recognition (OCR), natural language processing (NLP), and LLM workflows (including retrieval-augmented generation and fine-tuning)
• Design and implement scalable, secure data pipelines to support model training and inference
• Define and enforce MLOps, model governance, monitoring, and responsible AI practices; represent the team in architecture and risk forums
• Evaluate model performance in production, including drift management and reproducibility
• Mentor engineers, conduct code and design reviews, and support recruiting and talent development

Required qualifications, capabilities, and skills

• Master’s degree in Mathematics, Computer Science, Engineering, or a related quantitative field
• 6 years of professional AI/ML experience delivering production systems
• 4 years of advanced Python development in production environments, including use of AI-assisted coding tools to improve productivity while preserving code quality
• 4 years of hands‑on experience designing and deploying production machine learning systems on Amazon Web Services (AWS) (for example: SageMaker, Lambda, ECS/EKS, S3)
• Demonstrated experience delivering AI/ML solutions with measurable business outcomes at scale
• Experience with object‑oriented design, distributed systems, and performance engineering
• Demonstrated experience building and deploying LLM‑based applications, including retrieval‑augmented generation and fine‑tuning workflows
• Hands‑on experience in natural language processing (NLP), computer vision, optical character recognition (OCR), or document AI solutions in production
• Experience implementing MLOps practices using tools such as MLflow, Kubeflow, Airflow, feature stores, or model registries
• Demonstrated experience mentoring engineers and driving execution against multi‑quarter roadmaps
• Strong communication skills, including translating business needs into technical deliverables for senior stakeholders

Preferred qualifications, capabilities, and skills

• Experience delivering AI/ML solutions in wholesale payments, transaction banking, or financial services
• Experience with model risk management frameworks, model governance, and responsible AI practices
• Experience with Kubernetes and infrastructure-as-code (for example: Terraform)
• Experience with real‑time or streaming inference use cases
• Contributions to open‑source machine learning ecosystems or peer‑reviewed publications

#LI-RB3

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

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. Build and deploy production AI/ML and LLM solutions to automate and improve wholesale payments operations.