Payment Lifecycle Associate I

Location: Metro Manila, National Capital Region, Philippines

Job Family: Payments Lifecycle

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a strong commitment to innovation in digital payments. As a Payment Lifecycle Associate I in our Metro Manila operations center, you will play a vital role in supporting the early stages of our digital payment ecosystem. This position within the Payments Lifecycle category involves ensuring the smooth execution of transactions, from initiation to settlement, while upholding the highest standards of accuracy and compliance. You will contribute to our mission of delivering seamless financial solutions to clients worldwide, leveraging cutting-edge technology in a dynamic, collaborative environment. Your day-to-day responsibilities will include monitoring incoming digital payments, performing initial validations, and resolving any discrepancies that arise during the lifecycle. You will work closely with global teams to troubleshoot issues, reconcile data, and maintain operational efficiency, all while adhering to regulatory requirements such as anti-money laundering (AML) protocols and data privacy standards. This role offers exposure to JPMorgan Chase's vast payment networks, including real-time gross settlement systems and emerging fintech integrations, providing an excellent foundation for career growth in financial services. We value associates who thrive in fast-paced settings and are passionate about the evolving landscape of digital finance. In this position, you will have opportunities to enhance your skills through hands-on experience and access to JPMorgan Chase's renowned training resources. Join us in Metro Manila to be part of a team that powers secure, efficient payments for millions of customers, driving the future of global finance forward.

Key Responsibilities

• Monitor and process early-stage digital payment transactions to ensure accuracy and timeliness
• Identify and resolve operational issues in payment lifecycles, escalating complex cases as needed
• Collaborate with cross-functional teams to support seamless payment operations within JPMorgan Chase's global network
• Perform quality checks and reconciliations on payment data to minimize errors and risks
• Assist in implementing process improvements for digital payment efficiency
• Generate reports on payment metrics and trends for internal stakeholders
• Ensure compliance with regulatory standards and internal policies in all payment activities
• Provide support to clients and internal partners on payment-related inquiries
• Participate in testing and rollout of new digital payment features or technologies
• Maintain accurate documentation of payment processes and issue resolutions

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Information Technology, or a related field
• At least 1-2 years of experience in payments processing, banking operations, or financial services
• Strong understanding of digital payment systems and transaction lifecycles
• Proficiency in Microsoft Office Suite, particularly Excel for data analysis and reporting
• Excellent English communication skills, both written and verbal
• Ability to work in a fast-paced, shift-based environment in Metro Manila
• Legal authorization to work in the Philippines without sponsorship

Preferred Qualifications

• Experience with SWIFT, SEPA, or other international payment protocols
• Knowledge of regulatory compliance in financial services, such as AML and KYC
• Familiarity with JPMorgan Chase's internal systems or similar banking platforms
• Certification in payments or financial operations (e.g., AAP or equivalent)
• Prior exposure to agile methodologies in operational support roles

Required Skills

• Attention to detail for accurate transaction processing
• Analytical thinking to identify payment discrepancies
• Problem-solving abilities for issue resolution
• Strong organizational skills to manage multiple tasks
• Effective communication for team collaboration
• Time management in a high-volume environment
• Knowledge of financial regulations and compliance
• Proficiency in data entry and reconciliation tools
• Adaptability to evolving digital payment technologies
• Customer service orientation for stakeholder support
• Teamwork in cross-functional settings
• Basic understanding of cybersecurity in payments
• Report generation using Excel or similar software
• Risk assessment in transaction monitoring
• Multitasking under deadlines

Benefits

• Competitive base salary and performance-based bonuses aligned with JPMorgan Chase standards
• Comprehensive health insurance coverage including medical, dental, and vision for employees and dependents
• Retirement savings plan with employer matching contributions
• Paid time off, including vacation, sick leave, and public holidays
• Professional development opportunities through JPMorgan Chase's learning programs and certifications
• Employee assistance programs for wellness and financial counseling
• Flexible work arrangements and hybrid options where applicable
• Access to global mobility programs and career advancement within the firm

JP Morgan Chase is an equal opportunity employer.