Payment Lifecycle Analyst - Alternative Payment Operations

Location: Philippines

Job Family: Payments Lifecycle

About the Role

At JP Morgan Chase, we are at the forefront of transforming the financial services landscape through innovative digital payment solutions. As a Payment Lifecycle Analyst in Alternative Payment Operations, you will play a pivotal role in supporting the development and optimization of new digital payment products. Based in our dynamic Philippines office, you will contribute to the Payments Lifecycle category, ensuring seamless operations for alternative payment methods like digital wallets, real-time transfers, and cross-border solutions. This position offers the opportunity to work with cutting-edge technologies in a global banking environment, directly impacting how millions of clients engage with our services. Your primary focus will be on managing the full payment lifecycle, from transaction initiation to settlement and reconciliation. You will analyze complex payment data to identify bottlenecks, enhance efficiency, and mitigate risks, all while adhering to stringent regulatory requirements such as AML/KYC and PCI DSS. Collaborating closely with product, engineering, and compliance teams, you will help integrate new payment rails and troubleshoot issues to maintain high availability and security. This role demands a keen eye for detail and a proactive approach to problem-solving in a fast-paced setting. Joining JP Morgan Chase means becoming part of a world-class institution committed to innovation and excellence in financial services. In the Philippines hub, you will benefit from robust professional growth opportunities, diverse teams, and a culture that values work-life balance. If you are passionate about digital payments and eager to drive operational excellence, this position will allow you to make a meaningful impact on our global payments ecosystem.

Key Responsibilities

• Support the end-to-end lifecycle of new digital payment products, from inception to deployment
• Analyze payment flows to ensure compliance with internal policies and regulatory standards
• Collaborate with product managers, engineers, and operations teams to optimize alternative payment processes
• Monitor and troubleshoot payment issues in real-time, minimizing disruptions to client services
• Conduct data analysis on transaction volumes, error rates, and performance metrics to drive improvements
• Assist in the integration of new payment rails, such as mobile wallets or blockchain-based solutions
• Prepare reports and documentation for stakeholders on payment operations performance
• Contribute to risk assessments and control enhancements for payment security
• Stay updated on industry trends in digital payments and recommend innovative solutions
• Support training initiatives for team members on new payment products and processes

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Information Technology, or a related field
• At least 2-3 years of experience in payments operations, financial services, or digital payment processing
• Strong understanding of payment lifecycle processes, including initiation, processing, settlement, and reconciliation
• Proficiency in analyzing payment data and identifying operational inefficiencies
• Experience with alternative payment methods such as digital wallets, real-time payments, or cross-border transactions
• Ability to work in a fast-paced, global environment with cross-functional teams
• Excellent English communication skills, both written and verbal

Preferred Qualifications

• Certification in payments or financial operations (e.g., AAP or NPCP)
• Experience with JP Morgan Chase systems or similar banking platforms
• Knowledge of regulatory frameworks like PCI DSS, ISO 20022, or AML/KYC in payments
• Prior exposure to agile methodologies in product development
• Familiarity with data analytics tools for financial reporting

Required Skills

• Proficiency in payment processing systems and APIs
• Data analysis and visualization tools (e.g., Excel, SQL, Tableau)
• Knowledge of financial regulations and compliance standards
• Strong analytical and problem-solving abilities
• Excellent attention to detail for transaction reconciliation
• Effective communication and stakeholder management
• Adaptability to emerging digital payment technologies
• Team collaboration and cross-functional project coordination
• Risk identification and mitigation in operations
• Time management in high-volume transaction environments
• Basic understanding of cybersecurity in payments
• Report writing and presentation skills
• Familiarity with agile and scrum methodologies
• Customer service orientation for issue resolution
• Proficiency in Microsoft Office Suite

Benefits

• Competitive base salary and performance-based bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with company matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development programs and tuition reimbursement
• Employee wellness programs, including gym memberships and mental health support
• Flexible work arrangements and hybrid work options in the Philippines
• Access to JP Morgan's global mobility opportunities and career advancement paths

JP Morgan Chase is an equal opportunity employer.