Payment Lifecycle Associate II

Location: Tampa, FL, United States

Job Family: Payments Lifecycle

About the Role

At JPMorgan Chase, we are at the forefront of transforming the financial services landscape through innovative digital payments solutions. As a Payment Lifecycle Associate II in our Payments Lifecycle team based in Tampa, FL, you will play a pivotal role in managing the complete journey of payment transactions, ensuring seamless, secure, and efficient processing for our global clients. This position offers an exciting opportunity to contribute to cutting-edge initiatives in real-time payments, cross-border transfers, and emerging technologies like blockchain, while driving your own professional development in a supportive, high-impact environment. Join a collaborative team dedicated to shaping the future of payments and advancing JPMorgan Chase's position as a leader in financial innovation. In this role, you will handle the day-to-day operations of payment lifecycles, including validation, monitoring, and resolution of transactions across various channels such as ACH, wire transfers, and digital wallets. You will collaborate with cross-functional teams to mitigate risks, ensure compliance with stringent regulatory frameworks like those from the Federal Reserve and OCC, and optimize processes to reduce settlement times. Your analytical skills will be key in identifying bottlenecks and implementing enhancements that support our commitment to delivering reliable services to millions of customers worldwide. This position is ideal for detail-oriented professionals passionate about the intersection of finance and technology. JPMorgan Chase values growth and provides robust opportunities for advancement, including access to industry-leading training programs and mentorship from senior leaders. In Tampa's dynamic financial hub, you'll benefit from a vibrant work culture that emphasizes work-life balance, innovation, and inclusion. If you thrive in a fast-paced setting and are eager to make a tangible impact on the evolution of digital payments, this role at JPMorgan Chase will propel your career forward while contributing to our mission of powering the progress of individuals and businesses globally.

Key Responsibilities

• Monitor and manage the end-to-end lifecycle of payment transactions, from initiation to settlement
• Review and validate payment instructions for accuracy, compliance, and risk mitigation
• Collaborate with internal teams to resolve exceptions, discrepancies, and payment delays
• Analyze payment data to identify trends, inefficiencies, and opportunities for process improvement
• Ensure adherence to regulatory standards and JPMorgan Chase's internal policies on payments
• Support the implementation of new digital payment technologies and system enhancements
• Prepare reports and documentation for audits, reconciliations, and stakeholder updates
• Assist in training junior associates and contributing to team knowledge sharing
• Handle escalations for complex payment issues, coordinating with global operations teams
• Contribute to innovation initiatives shaping the future of secure and efficient digital payments

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• At least 2 years of experience in payments processing, transaction lifecycle management, or financial operations
• Strong understanding of payment systems such as SWIFT, ACH, and real-time payment networks
• Proficiency in Microsoft Office Suite, including Excel for data analysis and reporting
• Excellent attention to detail and ability to handle high-volume, time-sensitive tasks
• Knowledge of regulatory requirements in the financial services industry, including AML and KYC
• Ability to work collaboratively in a fast-paced team environment

Preferred Qualifications

• Experience with JPMorgan Chase's internal payment platforms or similar enterprise systems
• Familiarity with digital payment innovations like blockchain or API integrations
• Prior exposure to risk management in payment processing
• Certification in payments or financial operations (e.g., AAP or CTRS)
• Experience in a global financial institution handling cross-border transactions

Required Skills

• Payments processing and transaction management
• Regulatory compliance (AML, KYC, sanctions screening)
• Data analysis and reporting using Excel and BI tools
• Problem-solving and exception handling
• Attention to detail and accuracy in high-volume environments
• Communication and collaboration skills
• Knowledge of financial systems (e.g., SWIFT, ACH, Fedwire)
• Risk assessment and mitigation
• Adaptability to evolving digital payment technologies
• Time management in fast-paced settings
• Teamwork and stakeholder coordination
• Basic understanding of blockchain and API integrations
• Audit and reconciliation processes
• Customer service orientation for internal and external queries
• Proficiency in financial software and databases

Benefits

• Comprehensive medical, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and holidays
• Professional development programs and tuition reimbursement for career growth
• Employee stock purchase plan and performance-based bonuses
• Wellness programs, including gym memberships and mental health support
• Flexible work arrangements and hybrid options in Tampa, FL
• Parental leave and family benefits for work-life balance

JP Morgan Chase is an equal opportunity employer.