Transactions Specialist IV / 3rd shift

Location: KY, United States

Job Family: Transactions

About the Role

At JP Morgan Chase, we are a leading global financial services firm committed to fostering innovation and excellence in banking operations. As a Transactions Specialist IV on the 3rd shift, you will be an integral part of our Operations team, ensuring the seamless processing of high-volume document transactions that power our clients' financial activities worldwide. Based in Kentucky, United States, this role demands precision, reliability, and a proactive approach to maintaining the integrity of daily financial flows in a 24/7 environment. You will contribute to JP Morgan's reputation for dependable service by handling complex transactions with efficiency, all while adhering to stringent regulatory standards that define the financial services industry. Your primary focus will be on verifying, processing, and reconciling transactions such as wire transfers, payments, and document validations using advanced JP Morgan systems. This position requires a keen eye for detail to detect and resolve discrepancies, preventing potential financial losses or compliance violations. Working overnight shifts, you will collaborate with international teams to support real-time global operations, generating insightful reports and escalating issues to ensure uninterrupted service. This role offers the opportunity to grow within a dynamic team, where your contributions directly impact the trust and satisfaction of our institutional and retail clients. JP Morgan Chase values professional development and work-life balance, providing robust training programs to enhance your expertise in financial operations. Joining our team means becoming part of a culture that emphasizes integrity, innovation, and inclusion, with access to cutting-edge tools and resources that drive career advancement in the competitive financial services sector. If you thrive in a structured yet challenging setting and are passionate about the backbone of banking efficiency, this position is an excellent fit for advancing your career at one of the world's most admired financial institutions.

Key Responsibilities

• Process and verify daily document transactions, including wire transfers, checks, and payment instructions, ensuring accuracy and timeliness
• Review and reconcile transaction discrepancies using JP Morgan's proprietary systems to minimize errors and financial risks
• Monitor incoming transactions for compliance with regulatory requirements and internal policies, escalating issues as needed
• Collaborate with global teams to resolve complex transaction queries during off-peak hours
• Generate reports on transaction volumes, errors, and efficiencies for senior management review
• Maintain secure handling of sensitive client data in accordance with JP Morgan's data protection standards
• Support audit processes by providing transaction records and documentation
• Identify opportunities for process improvements to enhance operational efficiency in a 24/7 financial services environment
• Assist in training junior team members on transaction protocols and best practices

Required Qualifications

• High school diploma or equivalent required; associate's or bachelor's degree in finance, business, or related field preferred
• Minimum of 3-5 years of experience in transaction processing, banking operations, or financial services
• Proficiency in Microsoft Office Suite, including Excel for data analysis and reporting
• Ability to work independently during overnight shifts with strong attention to detail
• Knowledge of banking regulations and compliance standards such as AML and KYC
• Excellent English communication skills, both written and verbal
• Availability to work 3rd shift (typically 10 PM - 6 AM ET) including weekends and holidays

Preferred Qualifications

• Experience with JP Morgan Chase internal systems or similar financial platforms like SWIFT or core banking software
• Certification in financial operations, such as Certified Banking & Finance Professional (CBFP)
• Prior exposure to high-volume transaction environments in a global financial institution
• Familiarity with data privacy laws like GDPR and SOX compliance

Required Skills

• Attention to detail for error-free transaction processing
• Proficiency in financial software and transaction platforms
• Strong analytical skills for reconciling accounts and identifying discrepancies
• Time management to handle high-volume workloads during night shifts
• Knowledge of financial regulations and compliance frameworks
• Effective communication for team collaboration and issue resolution
• Problem-solving abilities in fast-paced, deadline-driven environments
• Data entry accuracy and familiarity with Excel pivot tables
• Adaptability to rotating shifts and global time zones
• Customer service orientation for handling client inquiries
• Basic understanding of payment systems like ACH and SWIFT
• Organizational skills for managing multiple transaction queues
• Confidentiality and ethical judgment in handling sensitive financial data
• Technical aptitude for learning new banking technologies

Benefits

• Comprehensive medical, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 6%
• Paid time off including vacation, sick days, and 18 weeks of paid parental leave
• Tuition reimbursement program for professional development and advanced degrees
• Employee stock purchase plan and performance-based bonuses
• Wellness programs including gym memberships, mental health support, and financial wellness coaching
• Flexible work options where applicable, plus commuter benefits and employee assistance programs

JP Morgan Chase is an equal opportunity employer.