As a Senior Associate in Liquidity & Account Solutions (“L&AS”), you contribute to the deal teams and product leadership by analyzing, structuring, and recommending exception pricing across on-balance sheet deposit products and sweeps for wholesale clients. You will own deal analytics, including balance assumptions, beta sensitivity, non-interest revenue (NIR) mix considerations, and profitability/margin impact for a dynamic portfolio of clients across the GCB. You will partner with Coverage, Treasury, Product, and Risk/Controls to ensure pricing is competitive, policy-aligned, and well-governed.
Job Responsibilities
Evaluate and underwrite exception pricing requests across on-balance sheet deposits (ECR / Interest / MMDA) and sweep structures; document rationale, key risks, and recommended terms.
Build and maintain deal economics views, including rate sensitivity/beta, margin impact, relationship profitability, and trade-offs across pricing versus product bundle.
Operationalize rate sensitivity segmentation governance for beta management for deals or in response to market changes and clearly articulate when and why deviations are warranted.
Produce executive-ready outputs, including approval memos, pricing summaries, competitive context, and decision logs with clean assumptions and an audit trail.
Identify themes from approvals (e.g., pricing related attrition, recurring exceptions, sector dynamics) and propose refinements to controls, playbooks, and guidelines.
Partner with coverage teams supporting complex liquidity structures and multi-product relationships where deposit pricing is tied to overall wallet and revenue mix.
Required qualifications, capabilities, and skills
- Experience in transaction banking, liquidity/treasury products, deposit pricing, or deal management; demonstrated ability to support pricing decisions with analytical rigor.
- Exposure to deposit products (ECR, Interest, MMDA) and/or Investment Sweeps (on and off balance-sheet)
- Familiarity with wholesale client coverage and relationship economics, including multi-product trade-offs and NIR mix considerations.
- Strong quantitative skills, including advanced Excel, scenario/sensitivity analysis, and disciplined assumptions QA.
- Strong written communication for senior stakeholders, including concise narratives and defensible recommendations.
- Sound judgment and control orientation, including policy adherence, documentation discipline, and appropriate escalation.
- Advanced PowerPoint and written communication skills, with a proven ability to distill complex data into concise, decision-ready narratives that connect insight to action for senior stakeholders.
Preferred qualifications, capabilities, and skills
- Experience partnering cross-functionally (Client Coverage, Product, Treasury, Risk/Controls, Legal/Compliance) in a governed pricing environment.
- Analytical rigor; structured problem solving; stakeholder management; comfort operating at pace with high decision volume.
- Ability to balance competitiveness and discipline: knows when to hold the line versus flex to win the right relationship.
- Strong communication skills; with a proven ability to communicate clearly and confidently with multiple senior-level stakeholders, aligning priorities and driving decisions across teams
Consulting experience preferred, ideally in financial services, treasury, or transaction banking engagements, with strong structured problem-solving skills.
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
Skills Required
- Experience in transaction banking, liquidity/treasury products, deposit pricing, or deal management
- Exposure to deposit products (ECR, Interest, MMDA) and/or Investment Sweeps (on and off balance-sheet)
- Familiarity with wholesale client coverage and relationship economics, including multi-product trade-offs and NIR mix considerations
- Strong quantitative skills, including advanced Excel, scenario/sensitivity analysis, and disciplined assumptions QA
- Strong written communication for senior stakeholders, including concise narratives and defensible recommendations
- Sound judgment and control orientation, including policy adherence, documentation discipline, and appropriate escalation
- Experience partnering cross-functionally (Coverage, Product, Treasury, Risk/Controls, Legal/Compliance) in a governed pricing environment
- Analytical rigor, structured problem solving, stakeholder management, and ability to operate at pace with high decision volume
- Ability to balance competitiveness and discipline in pricing decisions
- Proven ability to communicate clearly and confidently with multiple senior-level stakeholders
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical, dental, vision, and mental-health coverage are broad, with wellness incentives, on-site or virtual care, and an EAP offering coaching and counseling. Plan materials emphasize accessible options, including multiple medical choices and tools to manage costs.
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Parental & Family Support — Paid parental leave extends up to 16 weeks for all parents, supplemented by paid Critical Caregiver Leave. Family resources include backup childcare via Bright Horizons, lactation support and milk-shipping, family-building assistance, and even a free five-month SNOO rental for newborns.
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Retirement Support — Retirement programs include a 401(k) with an annual company match and automatic pay credits for most employees, with a legacy pension available to earlier hires. An Employee Stock Purchase Plan at a 5% discount further supports long-term savings.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
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