Payment Lifecycle Analyst

Job Description

Are you ready to make an impact in the world of digital payments? Join our team where your analytical prowess and problem-solving skills will help shape the future. We offer a stimulating environment with opportunities for constant learning and expanded responsibilities.

Job summary
As a Payment Lifecycle Analyst in Payments Operations, you will help ensure accurate and timely movement of funds by analyzing exceptions, improving processes, and strengthening controls. You will collaborate with partners to resolve non-routine issues, identify root causes, and support sustainable improvements across payment workflows. You will apply sound judgment, data-driven insights, and risk awareness to deliver consistent operational outcomes.

Job responsibilities

• Investigate payment exceptions, identify root causes, and apply established procedures to drive timely resolution.
• Perform research and data analysis to support accurate, on-time processing and settlement across payment workflows.
• Document processes, requirements, and performance measures to support continuous improvement and measurable outcomes.
• Partner with stakeholders to support process optimization initiatives, including automation opportunities where appropriate.
• Apply operational risk awareness, cybersecurity controls, and anti-fraud practices aligned to role responsibilities and applicable procedures.
• Coach and support teammates by sharing knowledge, reinforcing service standards, and serving as an escalation point as needed.

Required qualifications, capabilities and skills

• Advanced knowledge of payment processing operations, including end-to-end lifecycle activities and operational controls.
• Working knowledge of systems architecture concepts and automation approaches used to improve operational efficiency.
• Proficiency in data analysis and the ability to translate findings into clear insights for operational decision-making.
• Strong written and verbal communication skills, with the ability to collaborate effectively with stakeholders across teams.
• Understanding of cybersecurity and anti-fraud principles applicable to operations, including attention to data handling and control adherence.
• Experience applying continuous improvement methods to identify issues, reduce risk, and improve quality (years of experience: TBD if required).

Preferred qualifications, capabilities and skills

• Knowledge of ISO 20022 and/or SWIFT message formats and related processing.
• Experience supporting payments, cash, or treasury operations, including exception management and operational controls.
• Understanding of accounting and money movement concepts within global payments environments.

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.