Reference Data Specialist IV

JPMorganChase; New York (NY); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Health coverage

On-site health centers

Retirement plan

Backup childcare

Tuition reimbursement

Mental health support

Financial coaching

Job summary

JPMorganChase is seeking a Reference Data Specialist within the Foreign Exchange Operations team to safeguard the settlement lifecycle by authenticating and maintaining SSIs, and by maintaining precise client reference data. You will partner with Operations and internal stakeholders to prevent payment errors and reduce risk through strong controls and proactive escalation.

You will gain hands-on exposure to market products across FX, fixed income, and derivatives while adhering to global funds

Qualifications

• Strong ownership and accountability for task outcomes.
• Excellent client focus and customer service mindset.
• Ability to deliver high-quality service under tight deadlines.
• Solid understanding of financial markets, especially FX, fixed income, and derivatives.
• Clear written and verbal communication across all levels of the organization.

Responsibilities

• Authenticate settlement instructions and verify accuracy.
• Create, update, review, and approve Standard Settlement Instructions (SSIs).
• Maintain high-quality client reference data across systems.
• Identify and escalate potential payment risks or errors.
• Provide responsive support to internal partners and clients within global policies.

Skills

Ownership

Client focus

Customer service

Time management

Analytical skills

Communication skills

Adaptability

Attention to detail

Tools

SWIFT MT MT103/MT202

Job description

Job Description

Are you seeking to join a team where you can have the opportunity to thrive and grow? You have found the right team.

As a Reference Data Specialist within the Foreign Exchange Operations team, you will play a critical role in safeguarding the settlement lifecycle by authenticating and maintaining Standard Settlement Instructions (SSIs), maintaining precise client reference data, and resolving exceptions quickly. You will partner across Operations and internal stakeholders to prevent payment errors and reduce financial and reputational risk through strong controls, sound judgment, and proactive escalation. You will have hands‑on exposure to market products across foreign exchange, fixed income, and derivatives while operating within global funds transfer policies and regulatory requirements. You will work in a detail‑driven, client‑focused, and fast‑paced environment. You will have a direct impact on operational excellence and client outcomes.

Job Responsibilities

• Authenticate settlement instructions by completing external callback verification to ensure accuracy and control
• Create, update, review, and approve Standard Settlement Instructions (SSIs) in line with established procedures and governance
• Maintain high-quality client reference data, ensuring records are complete, current, and consistent across systems
• Proactively identify, investigate, and elevate potential payment risks or errors, helping protect clients and the firm from financial and reputational impact
• Deliver responsive, solutions‑oriented support to internal partners and clients while adhering to global funds transfer policies and applicable regulatory requirements
• Monitor workflows and controls with strong risk awareness, resolving breaks and exceptions quickly and efficiently
• Collaborate with Operations teams to research inquiries, resolve escalations, and drive timely outcomes
• Apply knowledge of financial markets and the securities industry to support accurate settlements and issue resolution
• Demonstrate ownership and accountability for tasks, follow‑through, and end‑to‑end outcomes
• Use strong judgment, analytical thinking, and problem‑solving skills to manage moderately complex scenarios and recommend actionable solutions
• Uphold high standards of integrity and attention to detail, ensuring accuracy, compliance, and ethical conduct in settlement and payment processing

Required Qualifications, Capabilities And Skills

• A high-level sense of ownership and responsibility
• Excellent Client focus and Customer care working practices
• Accountable for team delivery of excellent customer service
• In‑depth understanding of financial markets and Foreign Exchange business
• Excellent communication skills, both written and oral, including the ability to interact with all levels of the organization
• Flexibility to adjust to business needs
• Exceptional time management, organizational skills, and effective prioritization skills
• Ability to prioritize and work well under tight deadlines
• High-level analytical skills with attention to detail and accuracy

Preferred Qualifications, Capabilities, And Skills

• Understanding of Society for Worldwide Interbank Financial Telecommunications (SWIFT MT) message standards for Message Type (MT103) and Message Type (MT202)
• Preferred experience supporting CIB Operations Function/Line of Business

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.

• 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.