As a Payment Lifecycle Analyst within Payments Operations, you will play a pivotal role in ensuring the smooth transfer of funds between various parties while enhancing our payment operations framework. You will leverage your knowledge of automation technologies and systems architecture to process payments across various products and parties. Your responsibilities include identifying and resolving issues, making decisions guided by established practices, and contributing to short-term operational goals. You will engage with stakeholders, manage projects, and spur continuous improvement initiatives, building strong working relationships with internal lines of business. Your ability to understand and apply cybersecurity controls, anti-fraud strategies, and data analysis techniques will be key to your success in this role.
Job responsibilities
- Provide daily/weekly cash positioning and scenario analysis, recommending actions to optimize liquidity, reduce idle balances, and support business decisions.
- Support short-term funding needs by forecasting requirements, coordinating drawdowns/repayments, and ensuring timely availability of cash across entities and accounts.
- Monitor FX exposures arising from cross-border cash flows; support FX execution/hedging activities and track settlement, confirmations, and related controls.
- Execute and monitor investment of surplus liquidity (e.g., money market instruments/overnight placements) in line with counterparty limits, and risk parameters.
- Oversee end-to-end processing of incoming/outgoing cashflows (payments, collections, interfund transfers), ensuring accuracy, timeliness, and issue resolution.
- Track and reconcile cap stock–related cash movements (e.g., dividends, capital contributions/returns) and maintain supporting documentation and reporting.
- Prepare cash and liquidity reports, perform reconciliations, maintain operational controls, and partner with Traders, Finance, Operations, and Counterparts to resolve breaks.
Required Qualifications, Skills and Capabilities:
- Advanced knowledge of global payment processing operations and systems architecture to support operational efficiency and change management.
- Proficiency in data analysis techniques to interpret and communicate insights for informed decision-making with senior stakeholders.
- Commercial and growth mindset to adapt to fast-paced environments and new business initiatives, with strong interpersonal and communication skills.
- Understanding of cybersecurity controls and anti-fraud strategies to protect information and systems, and ability to navigate dynamic environments with evolving priorities.
- Familiarity with continuous improvement methodologies and design-thinking techniques to drive continuous improvement initiatives.
Preferred Qualifications, Skills and Capabilities:
- Knowledge of ISO or Swift message processing or management.
- Experience with operations, controls and problem solving related to Payments, Cash, Treasury Operations.
- Experience in global payments and understanding of accounting and money movement processes.
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 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.
Skills Required
- Advanced knowledge of global payment processing operations and systems architecture
- Proficiency in data analysis techniques to interpret and communicate insights
- Commercial and growth mindset with strong interpersonal and communication skills
- Understanding of cybersecurity controls and anti-fraud strategies
- Familiarity with continuous improvement methodologies and design-thinking techniques
- Knowledge of ISO or SWIFT message processing or management
- Experience with operations, controls and problem solving related to Payments, Cash, Treasury Operations
- Experience in global payments and understanding of accounting and money movement processes
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.
Why Work With Us
Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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