Payments - Lifecycle Operations - Analyst

Location: Ciudad De Mexico, Mexico

Job Family: Payments Lifecycle

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client focus. The Payments - Lifecycle Operations - Analyst role in our Mexico Payments Operations team is pivotal in supporting the seamless processing of high-volume transactions across domestic and international markets. Based in Ciudad de Mexico, this position involves managing the full lifecycle of payments, from instruction receipt to final settlement, ensuring accuracy, efficiency, and compliance with local regulations such as those governed by Banxico. As part of our Corporate & Investment Bank division, you will contribute to powering the world's economy by handling critical payment flows that enable businesses and institutions to thrive in a digital-first landscape. In this analyst role, you will dive into the operational heart of payments processing, resolving complex issues, performing reconciliations, and leveraging data to drive process improvements. You will work closely with cross-functional teams to mitigate risks, enhance controls, and support the rollout of cutting-edge payment solutions tailored to the Latin American market. Your daily responsibilities will include validating transaction details, monitoring for fraud indicators, and generating reports that inform strategic decisions at JP Morgan Chase. This position offers exposure to advanced technologies and global best practices, fostering professional growth in a dynamic environment where precision and innovation intersect. We seek detail-oriented professionals passionate about financial operations who can thrive in a collaborative, high-stakes setting. Joining JP Morgan Chase means becoming part of a supportive community dedicated to excellence, with opportunities for career advancement across our vast network. If you are ready to play a key role in shaping the future of payments in Mexico and beyond, apply today to help us deliver world-class service to our clients.

Key Responsibilities

• Process and validate incoming payment instructions for domestic and international transactions in compliance with regulatory standards
• Monitor and manage the end-to-end lifecycle of payment operations, including initiation, confirmation, and settlement
• Identify and resolve discrepancies or exceptions in payment files to ensure timely execution
• Collaborate with internal teams such as compliance, risk, and technology to enhance operational efficiency
• Perform daily reconciliations of payment accounts and report on key performance metrics
• Support the implementation of new payment products and process improvements within the Mexico operations hub
• Ensure adherence to anti-money laundering (AML) and know-your-customer (KYC) protocols in all transactions
• Analyze operational data to detect trends, bottlenecks, and opportunities for automation
• Assist in audits and provide documentation for regulatory reporting requirements
• Contribute to team knowledge sharing and training on payments best practices

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• At least 1-2 years of experience in payments processing, operations, or financial services
• Proficiency in English and Spanish, with strong written and verbal communication skills
• Knowledge of Mexican financial regulations and payment systems such as SPEI and STP
• Familiarity with core banking systems and transaction processing workflows
• Ability to work in a fast-paced, high-volume environment with attention to detail
• Basic understanding of risk management and compliance in payments operations

Preferred Qualifications

• Experience with JP Morgan Chase internal systems or similar global banking platforms
• Certification in payments processing (e.g., AAP or equivalent)
• Prior exposure to lifecycle operations in cross-border payments
• Advanced proficiency in Microsoft Excel and data analysis tools
• Knowledge of ISO 20022 standards for payment messaging

Required Skills

• Attention to detail and accuracy in high-volume data handling
• Strong analytical and problem-solving abilities
• Proficiency in Microsoft Office Suite, especially Excel for data manipulation
• Knowledge of payment processing software and banking platforms
• Effective communication and interpersonal skills for team collaboration
• Time management and ability to prioritize tasks under deadlines
• Understanding of financial regulations and compliance frameworks
• Basic data analysis and reporting skills
• Adaptability to changing processes and technologies
• Customer service orientation for internal stakeholder support
• Risk assessment and exception handling expertise
• Multilingual capabilities in English and Spanish
• Familiarity with SWIFT messaging and payment standards
• Teamwork and ability to work in a diverse, global environment
• Technical aptitude for learning proprietary JP Morgan systems

Benefits

• Competitive base salary and performance-based annual 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 for relevant certifications
• Employee stock purchase plan and financial wellness resources
• Flexible work arrangements and wellness initiatives
• Access to global mobility opportunities within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.