Description

Join a team where your payments expertise and problem-solving skills make a real difference every day. In Payments Operations, you will help ensure funds move accurately and on time across borders and currencies, while strengthening how we operate and control risk. You will work with teams across the business, contribute to process improvements, and grow your knowledge in a fast-paced, globally connected environment. If you enjoy taking ownership, working through complex problems, and making things run better, this role is for you.

As a Cash Operations Associate in Payments Operations, you will support the accurate and timely movement of funds across products, currencies, and borders. You will investigate and resolve payment exceptions, apply controls to protect against fraud and risk, and use data to identify and fix recurring issues. You will work closely with internal teams and stakeholders to improve processes and maintain high service standards.

Job responsibilities

• Investigate and resolve payment exceptions, applying sound judgement to protect the integrity of financial and operational processes.
• Ensure accurate and timely fund transfers across products, currencies, and cross-border payment flows.
• Use data analysis to identify root causes of payment issues and recommend practical fixes.
• Contribute to process improvement initiatives that enhance quality, efficiency, and client experience.
• Apply fraud prevention and cybersecurity controls to protect payment systems and client information.
• Build strong working relationships with internal teams and stakeholders to support smooth day-to-day operations.
• Coach and support junior team members, serving as an escalation point when needed.

Required qualifications, capabilities, and skills

• Bachelor Degree
• Minimum 2 years of experience in cross-border payments and foreign exchange operations, including a strong understanding of foreign exchange policy.
• Strong analytical skills, with the ability to investigate complex payment issues and communicate findings clearly to stakeholders.
• Good understanding of payment systems and how funds move across products and borders.
• Ability to work independently, manage competing priorities, and adapt quickly in a fast-moving environment.
• Strong communication and interpersonal skills, with a collaborative and client-focused approach.
• Familiarity with process improvement approaches and a drive to make operations run better.

Preferred qualifications, capabilities, and skills

• Knowledge of ISO or SWIFT message processing or management.
• Experience in cash or treasury operations with a strong controls background.
• Understanding of accounting principles and end-to-end money movement processes.

About Us

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

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.