Payment Lifecycle Associate II

Job Description

Real-time payments are transforming how money moves, and strong operations are essential to delivering speed with safety. Join a fast-paced team where your leadership helps keep critical payment processing resilient and well-controlled. You will work across operations, product, and technology partners to deliver a reliable client experience. This role offers the opportunity to scale processes, strengthen controls, and coach others as the business grows.

As a Payments Operations Associate II in the Real-time payments operations team, you will provide day-to-day operational leadership and oversight for a Manila-based team supporting multiple real-time payment capabilities. You will help ensure strong performance, effective controls, and timely resolution of complex issues and escalations. You will partner with regional and global stakeholders to support new implementations and continuous improvement as transaction volumes and scope expand.

Job responsibilities

• Provide functional leadership and day-to-day oversight for the Manila operations team, coordinating priorities, workload, cross-training, coaching, and escalations in partnership with people managers
• Serve as a senior escalation point for complex payment processing, reconciliation, settlement, client, and technology issues
• Oversee post-settlement reconciliation, end-to-end transaction monitoring, exception management, and operational controls
• Monitor operational performance using key performance indicators, trend analysis, and control measures, escalating risks and remediation needs as appropriate
• Partner with stakeholders and delivery teams to define operational requirements and readiness for new products, clients, and capabilities
• Coordinate with product, technology, incident management, and operational monitoring partners to manage incidents and drive root-cause resolution and sustainable corrective actions
• Support scaling the operating model as transaction volumes, products, and client participation grow
• Maintain subject-matter expertise across payment flows, applications, operating procedures, and controls
• Identify and drive process improvements, automation opportunities, risk reduction initiatives, and operational efficiencies
• Coach team members through knowledge sharing, cross-training, and continuous improvement to build broader capability and coverage
• Communicate clearly and timely to management on performance, risks, incidents, emerging issues, and remediation progress

Required qualifications, capabilities and skills

• Experience in payments operations, financial services operations, or a comparable high-volume operational environment
• Experience providing day-to-day team leadership, operational oversight, coaching, and escalation management
• Demonstrated analytical and problem-solving skills with the ability to assess complex operational issues and make sound decisions
• Strong knowledge of operational risk and controls, reconciliation, exception management, and incident management practices
• Ability to manage multiple priorities and lead effectively in a fast-paced, changing payments environment
• Strong written and verbal communication skills, including the ability to communicate complex operational issues and recommendations to management
• Demonstrated ability to work across organizational boundaries and influence stakeholders across operations, product, and technology
• Proven ability to identify and implement process improvements, efficiencies, and control enhancements
• Strong proficiency with Microsoft Excel, including analyzing large datasets, identifying trends, and supporting management reporting
• Strong business acumen and understanding of client experience, operational resiliency, risk management, and controls
• Flexibility to support shift arrangements and operational requirements based on business needs

Preferred qualifications, capabilities and skills

• Experience supporting real-time payments, instant payments, Automated Clearing House payments, or other domestic and global payment rails
• Experience supporting payment clearing, settlement, reconciliation, accounting, and money movement processes
• Experience leading or coordinating major incidents, operational issues, or production escalations
• Experience with new product implementation, client onboarding, operational readiness, or change management
• Project delivery experience, including coordinating across multiple stakeholder groups
• Experience working within a regional or global operating model
• Developing experience using AI-powered analytics, workflow automation, or intelligent process tools to drive efficiency gains, reduce manual effort, or improve accuracy in operational processes.

About Us

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our  FAQs for more information about requesting an accommodation.

About the Team

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.