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
- Support 24/7 shift coverage, including weekends as needed, to meet service expectations across client experience, risk management, and continuous improvement.
- Monitor intraday cash positions across Nostros to ensure adequate liquidity.
- Execute internal and external Nostro fund transfers in line with controls, guidelines, and cut-off times.
- Reconcile daily cash activity, investigate discrepancies, and coordinate follow-ups to resolve breaks.
- Partner with Treasury to manage intraday liquidity and funding requirements.
- Track clearing queues and payment processing systems to ensure timely settlement and stable connectivity.
- Respond to operational issues by applying structured problem-solving to resolve payment delays, unmatched items, and incorrect postings.
- Analyze LOB inflows and outflows to support cash forecasting and timely funding decisions.
- Participate in regression testing and system enhancement implementation for cash processing changes.
- Strengthen business continuity readiness and contribute to automation and process improvement initiatives.
- Standardize and simplify processes by collaborating with global managers and using data-driven insights to improve service delivery across locations.
Required Qualifications, Skills and Capabilities:
- Strong problem-solving mindset with the ability to analyze data, identify root causes, and suggest effective solutions under time constraints.
- High level of accuracy and attention to detail, especially in high-pressure, time-sensitive environments.
- Ability to multi-task under time constraints.
- Excellent communication and collaboration skills across multiple teams and stakeholders.
- Experience in cash operations, market operations, or liquidity operations within a financial institution.
Working knowledge of banking/payment systems (e.g., SWIFT, ISO, Reconciliation tools, RTGS, CHAPS, TARGET2, etc.).
Preferred Qualifications, Skills and Capabilities:
- Experience with Business Intelligence tools such as Tableau, Alteryx, or Qlikview.
- Skills in data management and analysis, with the ability to source, analyze, and visualize large data sets.
- Ability to work comfortably under pressure and meet deadlines.
- Experience in industrializing new 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
- Strong problem-solving skills, including data analysis, root-cause identification, and solution development under time constraints
- High accuracy and attention to detail in high-pressure, time-sensitive environments
- Ability to multitask under time constraints
- Excellent communication and collaboration skills across teams and stakeholders
- Experience in cash operations, market operations, or liquidity operations within a financial institution
- Working knowledge of banking and payment systems, including SWIFT, ISO, reconciliation tools, RTGS, CHAPS, and TARGET2
- Experience with business intelligence tools such as Tableau, Alteryx, or QlikView
- Data management and analysis skills, including sourcing, analyzing, and visualizing large datasets
- Ability to work under pressure and meet deadlines
- Experience industrializing new 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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