Job Description

Bring your fraud recovery expertise to a role where you own complex, high-impact cases and help drive better outcomes for clients. You will use strong judgment, deep product knowledge, and clear communication to shape recovery strategies and resolve sensitive matters. You will partner across functions to remove roadblocks, strengthen controls, and improve the way recovery work gets done. If you thrive in ambiguity and can lead through influence, you will find meaningful growth and challenge here.

As a Fraud Associate I within the Global Banking Fraud Recovery team, you will serve as a technical subject matter expert and owner of complex recovery cases across check and electronic payment recovery. You will manage high-risk and high-value matters, build recovery strategies, and coordinate with internal teams and external financial institutions to move cases to resolution. You will interpret procedures, controls, and payment conventions to determine the right recovery path and escalation decisions. You will guide analysts and leaders with practical, product-specific coaching—without formal people-management responsibilities.

Job Responsibilities

• Own complex, high-risk, high-value recovery cases from intake through resolution, with clear documentation and timely follow-up.
• Build and execute recovery strategies across payment products (including check and electronic payments).
• Evaluate case facts, controls, and payment conventions to determine appropriate actions and escalation paths.
• Provide technical guidance to analysts and leaders on sensitive or ambiguous matters.
• Coordinate with internal partners (for example, client service, legal, operations, product, risk, and fraud teams) to drive resolution.
• Engage external financial institutions to pursue recalls, returns, or other recovery actions as appropriate.
• Support exceptional recovery scenarios (for example, indemnifications, warranties, and duplicate presentments) when applicable.
• Help prioritize urgent work, identify emerging risks, and reinforce consistent procedures and controls.
• Identify root causes, recurring issues, and control gaps, and recommend process improvements.
• Contribute to procedure updates, training content, and knowledge sharing that strengthens team capability.

Required Qualifications, Capabilities, and Skills

• Five years of operations experience (fraud, payments, investigations, claims, financial services, or client service).
• Strong critical thinking and investigative skills, with the ability to make risk-based decisions in complex scenarios.
• Working knowledge of fraud recovery practices, payment systems, operational controls, and documented procedures.
• Ability to communicate clearly in writing and verbally with clients, peers, leaders, and partners.
• Proven ability to manage multiple high-impact priorities in a fast-paced environment.
• Ability to progress work through ambiguity, especially when outcomes depend on external parties and extended timelines.
• Ability to influence without formal authority and provide constructive, practical coaching.
• Sound judgment, discretion, and professionalism when handling sensitive or escalated matters.

Preferred Qualifications, Capabilities, and Skills

• Experience supporting commercial or institutional banking clients and complex fraud recovery matters.
• Advanced experience with Check, ACH, Wire, RTP, Bad Beneficiary, Hold Harmless, UCC, Holder in Due Course, warranties, recalls, SWIFT indemnification, or recovery-related legal processes.
• Experience with quality calibration, root-cause analysis, training, procedure development, escalations, loss mitigation, or continuous improvement.

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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans