Job Description

Do you have basic or intermediate knowledge of understanding of payment flows, cash reconciliations, and exception management? Do you also have working knowledge of reconciliation platforms and case management tools? This is the team for you.

As a Payment Lifecycle Specialist III within the Payment Lifecycle team at JPMorganChase, you will ensure accurate, timely payment processing and strong operational controls across the end-to-end payment lifecycle. You will meet daily production targets and KPIs, prioritize and delegate workflow, and resolve complex issues. A key focus is account reconciliation: preparing and finalizing EOM packets, investigating and clearing breaks, monitoring aging, and reporting KPIs/KRIs to reduce risk and improve client experience. You will partner with supervisors and cross-functional teams to drive continuous improvement, automation, and adherence to audit and control standards.

Job responsibilities

• Own daily/weekly/month-end reconciliations for assigned accounts; prepare and finalize packets in the designated repository by deadlines.
• Meet or exceed daily production goals and SLA/KPI targets; proactively manage capacity and bottlenecks.
• Prioritize and delegate work, monitor queues, and ensure timely approvals and quality checks.
• Act as an escalation point for complex cases; perform root-cause analysis and implement corrective/preventive actions.
• Investigate and clear cash and ledger breaks; monitor aging; escalate SLA or risk threshold breaches and drive closure.
• Ensure adherence to procedures, attestations, and evidence requirements; support audits with clear documentation and traceability.
• Track and report KPIs/KRIs (e.g., break rates, on-time certification, aging) and communicate trends and recommendations to stakeholders.
• Partner with operations, technology, and product teams to automate, enhance controls, and improve data quality.
• Collaborate with upstream/downstream teams to align on process changes, remediation plans, and service delivery.

Required qualifications, capabilities, and skills

• Basic or intermediate knowledge of understanding of payment flows, cash and GL reconciliations, and exception management.
• Proficiency in identifying patterns, performing root-cause analysis, and interpreting operational metrics.
• Working knowledge of reconciliation platforms and case management tools; proficiency with Excel/Sheets (vlookups, pivot tables), and basic data analysis.
• Sound judgment balancing client experience, risk, and operational efficiency; ability to prioritize under time pressure.
• Strong attention to detail with a commitment to accuracy, documentation standards, and control adherence.
• Ability to mentor peers, provide feedback, and support a culture of accountability and continuous improvement.
• Clear written and verbal communication; ability to present status, risks, and recommendations to stakeholders.

Preferred qualifications, capabilities, and skills

• Minimum of 2 years of experience in payment operations, reconciliations, cash management, or financial operations, with experience supporting internal/external audits and working within risk/control frameworks.
• Demonstrated experience meeting production targets and managing SLAs/KPIs in a high-volume environment.
• Process improvement or automation experience (e.g., VBA, SQL, Alteryx, Python, or RPA).

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