Payment Lifecycle Specialist IV

Location: Metro Manila, National Capital Region, 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 Specialist IV in our Payments Lifecycle team, you will play a pivotal role in managing the complete journey of payment transactions for our global clientele. Based in Metro Manila, National Capital Region, Philippines, this position offers the opportunity to contribute to high-impact projects that enhance efficiency, security, and scalability in one of the world's leading financial institutions. You will work in a dynamic environment where collaboration with international teams drives the evolution of payment systems, ensuring seamless experiences for clients across retail banking, corporate treasury, and investment services. Your core responsibilities will include overseeing the initiation, processing, and settlement of diverse payment types, from domestic transfers to complex cross-border remittances. You will leverage your expertise to troubleshoot issues, optimize workflows, and implement cutting-edge technologies that align with JP Morgan Chase's commitment to innovation and regulatory excellence. This role demands a keen eye for detail to mitigate risks, ensure compliance with standards like AML and SWIFT protocols, and deliver actionable insights through data-driven analysis. By identifying bottlenecks and proposing automation solutions, you will directly influence operational resilience and cost efficiencies in our payments ecosystem. Joining JP Morgan Chase means embracing a culture of continuous learning and professional advancement. We support your growth through tailored development programs, exposure to global initiatives, and a collaborative atmosphere that values diverse perspectives. In this senior specialist role, you will not only execute daily operations but also mentor peers and contribute to strategic enhancements that shape the future of digital payments. If you are passionate about financial technology and ready to make a meaningful impact, this position in the heart of the Philippines' financial hub offers unparalleled opportunities to advance your career while being part of a team that redefines global finance.

Key Responsibilities

• Manage the end-to-end lifecycle of payment transactions, from initiation to settlement and reconciliation
• Monitor and resolve complex payment exceptions, ensuring minimal disruption to client services
• Collaborate with global teams to implement enhancements in payment processing systems and workflows
• Conduct risk assessments and ensure compliance with JP Morgan Chase's internal policies and international regulations
• Analyze payment data to identify trends, inefficiencies, and opportunities for process automation
• Provide expert guidance on payment routing, currency conversions, and cross-border transaction handling
• Support audit processes and prepare detailed reports on payment operations performance
• Train and mentor junior team members on best practices in payments lifecycle management
• Liaise with internal stakeholders, including treasury, compliance, and technology teams, to resolve payment-related issues
• Contribute to the development of digital payment strategies aligned with JP Morgan Chase's innovation goals

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Information Technology, or a related field
• Minimum of 5 years of experience in payments processing, transaction lifecycle management, or financial operations within the banking sector
• Strong understanding of global payment systems, including SWIFT, SEPA, and real-time payment networks
• Proficiency in regulatory compliance frameworks such as AML, KYC, and PCI-DSS in the financial services industry
• Experience with data analysis tools and reporting in a high-volume transaction environment
• Ability to work in a fast-paced, 24/7 operational setting with shift rotations
• Fluency in English, both written and verbal, for international stakeholder communication

Preferred Qualifications

• Advanced certification in payments or financial operations, such as Certified Payments Professional (CPP)
• Prior experience at a major financial institution like JP Morgan Chase or similar
• Knowledge of emerging digital payment technologies, including blockchain and API integrations
• Experience leading cross-functional teams in payment optimization projects
• Familiarity with Philippine banking regulations and ASEAN financial markets

Required Skills

• Expertise in payment processing platforms like SWIFT and ISO 20022
• Proficiency in SQL and data analytics tools such as Excel, Tableau, or Power BI
• Knowledge of financial regulations including FATF and PSD2
• Strong problem-solving and analytical thinking abilities
• Excellent attention to detail for error detection in high-volume transactions
• Effective communication and interpersonal skills for team collaboration
• Project management skills using methodologies like Agile or Six Sigma
• Adaptability to evolving technologies in digital payments
• Risk management and fraud detection expertise
• Customer service orientation with a focus on client satisfaction
• Time management in a deadline-driven environment
• Technical aptitude for integrating APIs in payment systems
• Leadership skills for guiding process improvements
• Multitasking in a global, multicultural setting
• Proficiency in Microsoft Office Suite and financial software

Benefits

• Competitive base salary with performance-based bonuses and incentives
• Comprehensive health, dental, and vision insurance coverage for employees and dependents
• Retirement savings plan with employer matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development programs, including tuition reimbursement and access to internal training
• Employee wellness initiatives, such as gym memberships and mental health support
• Flexible work arrangements, including hybrid options in Metro Manila
• Global mobility opportunities within JP Morgan Chase's international network

JP Morgan Chase is an equal opportunity employer.