Business Analyst - Real-Time Payments

JOB DESCRIPTION

Be at the heart of transforming visions into market-ready products, while you navigate through and solve complex challenges. In this dynamic environment, you ensure smooth product delivery and support change initiatives, marking a significant step in your career growth and innovation journey.

As a Senior Product Delivery Associate in Global Cash Operations & Transformation (COT) team, you are trusted with enabling the delivery of products in a stable and scalable way. Work with cross-function teams, build key relationships, and enable the product to continuously deliver value.

You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products. You will also work in a dynamic environment where responsibilities may evolve to meet business needs.

Job responsibilities

• Collaborates with the Product Delivery Manager to execute on key delivery tasks and identify ways to boost efficiencies
• Supports the completion of change management activities across functional partners and monitors adherence to the firm's risk, controls, compliance, and regulatory requirements
• Raises blockers and other impediments to the Product Delivery Manager to manage dependencies and ensure adequate resources
• Collaborate with Operations, Product, and Technology to deliver scalable and resilient Real-Time Payments capabilities.
• Lead requirements discovery and translate business needs into functional flows, use cases, acceptance criteria, and delivery requirements in JIRA.
• Run daily POD calls and document payment journeys, processing steps, and exception scenarios.
• Assess operational impacts and design future-state processes, Target Operating Models, ownership, controls, and escalation paths.
• Identify risks (operational, regulatory, fraud, sanctions, liquidity, accounting, reconciliation) and define sustainable controls and mitigations.
• Develop and review testing scenarios with Operations, Product, and Technology, aligned with regional processes.
• Drive operational readiness, implementation planning, and go-live support.
• Facilitate workshops, resolve requirements gaps, communicate decisions and delivery status, and identify automation opportunities using AI. Maintain program artifacts, deliverables, milestones, and RAID logs.

Required qualifications, capabilities, and skills

• 3+ years of experience or equivalent expertise in product management or a relevant domain area
• Demonstrated performance in either product management or relevant domain area
• Experience executing operational management and change readiness activities
• Experience in product deployment processes
• 6+ years' experience in financial services payments delivery, including direct RTP scheme experience.
• Self-starter with strong execution discipline and stakeholder management skills.
• Builds trusted relationships, influences decisions, and aligns cross-functional teams.
• Proficient in using AI tools to improve processes and identify automation opportunities.
• Collaborative team player who shares knowledge to enhance ways of working.
• Strong understanding of end-to-end payment processing, operational risk, and controls.
• Structured problem-solver with attention to detail and proficiency in JIRA, Excel, PowerPoint, and process-mapping tools.

Preferred qualifications, capabilities, and skills

• Developed knowledge of the product development life cycle
• Knowledge of ISO 20022 messaging and payment flows, including initiation, status, returns, investigations, reconciliation and reporting.
• Experience with APIs, webhooks, host-to-host files, digital payment platforms, sanctions, fraud, transaction limits, liquidity, reconciliations and exception processing.
• Experience in Corporate and Investment Bank operations, process automation and transformation, with familiarity of Monday.com, Alteryx, Tableau and responsible AI-assisted analysis.
• Experience supporting more than one CCB Operations Function/Line of Business

Additional information

• Visa sponsorship is not available for this position.
• Work schedules will be full-time in office, on a 40-hour per week schedule.

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 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

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.