Payment Lifecycle Analyst

Job Description
Cash Asset Management are a firm-wide utility that provides End- to-End Cash Management that enables treasury to effectively manage the firm's balance sheet. The global team delivers operational and strategic support to Treasury CIO. Including cash position projections, predictions, and post cash movement analysis on managed accounts. Automation and enhancement of the cash movement processes and remediation of the existing cash Nostro landscape, to improve account data quality, strengthen controls and address lost revenues, increased costs, and operational inefficiencies.

As a Payment Operations Specialist within JPMorgan Chase, you will support the company's strength and resilience by assisting in the management of cash operations. Your role will contribute to the firm's growth by helping to identify and mitigate risks, and by supporting innovative solutions to real-world challenges impacting our company, customers, and communities. You will be part of a culture that encourages innovative thinking and aims for best-in-class performance.

Job Responsibilities

• Support the team within a 24/7 shifting schedule, including possible weekend shifts, to meet service expectations, focusing on client experience, risk management, and process improvements.
• Monitor and manage intraday cash position across Nostros to ensure adequate liquidity. Execute fund transfers between internal and external Nostros in compliance with internal controls, guidelines, and cut-off times.
• Perform daily reconciliations, investigate discrepancies, and follow up to resolve cash breaks in coordination with internal teams.
• Collaborate with Treasury to manage intraday liquidity and funding needs. Monitor clearing queues and payment processing systems to ensure timely settlements and constant connectivity.
• Act as a first responder to operational issues, applying analytical thinking and structured problem-solving to resolve payment delays, unmatched items, or incorrect postings.
• Support timely funding decisions and cash forecasting by analyzing LOB inflow and outflows.
• Participate in regression testing and implementation of system enhancements related to cash processing. Support business continuity plans and contribute to process improvement or automation initiatives.
• Assist in identifying opportunities to standardize and improve service offerings across locations using data-driven approaches. Assist in managing incidents and issues, providing updates to senior managers and engaging with relevant contacts.
• Participate in key global strategic initiatives and contribute to a diverse, inclusive, and positive work culture.
• Take responsibility for resolving issues, ensuring timely and relevant communication with stakeholders.
• Build strong relationships with key partners, including line of business, treasury and agent banks.

Required Qualifications, Capabilities And Skills

• 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.
• 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, Capabilities And Skills

• 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.
• Project management skills with a focus on execution and risk awareness.
• Ability to work comfortably under pressure and meet deadlines.
• Experience in industrializing new processes.
• S99 Qualification.

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 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.

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.