Payments-Global Clearing-Senior Product Associate

Location: Jersey City, NJ, United States

Job Family: Product Management

About the Role

At JP Morgan Chase, we are at the forefront of redefining the future of global finance, and our Payments - Global Clearing team plays a pivotal role in delivering seamless, innovative solutions for clients worldwide. As a Senior Product Associate in this dynamic group, you will drive product development, user research, and analytical initiatives to shape and optimize our clearing offerings. Based in our state-of-the-art Jersey City, NJ office, you will contribute to high-impact projects that handle trillions in daily transactions, ensuring efficiency, compliance, and client satisfaction in the competitive financial services landscape. This role offers the opportunity to work with cutting-edge technologies and collaborate with top-tier professionals to innovate in areas like real-time payments and cross-border clearing. Your primary focus will be on understanding client pain points through rigorous user research and data analysis, translating those insights into actionable product enhancements. You will partner closely with engineering, compliance, and sales teams to build and iterate on product roadmaps that align with JP Morgan Chase's commitment to operational excellence and regulatory adherence. From analyzing transaction flows to identifying opportunities for automation and risk reduction, your work will directly influence the scalability and reliability of our global clearing platform, supporting everything from corporate treasury services to institutional trading. We seek a proactive leader passionate about financial innovation, with a blend of analytical prowess and business acumen to thrive in our collaborative environment. Join JP Morgan Chase to advance your career while contributing to solutions that power the global economy, all while benefiting from our robust professional growth opportunities and inclusive culture.

Key Responsibilities

• Collaborate with cross-functional teams to identify opportunities for innovation in global clearing products and services
• Conduct user research and market analysis to understand client needs in payments and clearing operations
• Develop and optimize product roadmaps that align with JP Morgan Chase's strategic goals in financial services
• Analyze performance metrics and user feedback to refine offerings and enhance operational efficiency
• Partner with technology and compliance teams to ensure products meet regulatory standards and mitigate risks
• Drive product testing, iteration, and launch processes using agile frameworks
• Monitor industry trends in global payments to recommend enhancements and new features
• Support senior product managers in stakeholder communications and reporting on product progress
• Contribute to the development of scalable solutions for high-volume clearing transactions
• Foster a culture of innovation by promoting data-driven decision-making within the team

Required Qualifications

• Bachelor's degree in Business, Finance, Computer Science, or a related field
• Minimum of 3-5 years of experience in product management, payments, or clearing operations within the financial services industry
• Strong understanding of global payments systems, clearing processes, and regulatory requirements such as SWIFT, ISO 20022, and Dodd-Frank
• Proven track record in conducting user research, data analysis, and product optimization in a fast-paced environment
• Experience with agile methodologies and cross-functional collaboration in financial technology
• Ability to analyze complex financial data and translate insights into actionable product strategies
• Familiarity with risk management and compliance in global clearing operations

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications like PMP or CFA
• Prior experience at a major financial institution like JP Morgan Chase or similar in payments product development
• Knowledge of emerging technologies such as blockchain, real-time payments, or API integrations in clearing services
• Experience leading product initiatives in international markets with diverse regulatory landscapes
• Demonstrated success in driving innovation and user-centric improvements in financial products

Required Skills

• Product management and roadmap development
• User research and qualitative/quantitative analysis
• Knowledge of payments and global clearing protocols
• Financial data analysis and reporting tools (e.g., SQL, Excel, Tableau)
• Agile and Scrum methodologies
• Regulatory compliance in financial services
• Cross-functional collaboration and stakeholder management
• Problem-solving and critical thinking
• Communication and presentation skills
• Innovation and creative thinking
• Risk assessment and mitigation
• Technical aptitude for fintech integrations (e.g., APIs, blockchain basics)
• Project management and prioritization
• Adaptability in a dynamic regulatory environment
• Customer-centric design thinking

Benefits

• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development programs and tuition reimbursement for advanced education
• Employee stock purchase plan and performance-based bonuses
• Wellness programs including gym memberships and mental health support
• Flexible work arrangements and hybrid office options in Jersey City, NJ
• Access to JP Morgan Chase's global mobility opportunities and career advancement paths

JP Morgan Chase is an equal opportunity employer.