at J.P. Morgan
Bulge Bracket Investment BanksPosted 3 days ago
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**Payment Lifecycle Specialist III: Seamless Transaction Processing** Power digital payment innovation as our Mumbai-based Payment Lifecycle Specialist III. Ensure smooth fund transfers between parties, managing high-volume transactions, sanctions screening, and exception processing. Collaborate cross-functionally to drive operational efficiency using automation technologies. Bring intermediate payment operations knowledge, strong task management skills, and a growth mindset. Preferred: ISO/SWIFT message processing experience and AI adaptation. Grow your career in this fast-paced, dynamic environment where your contributions are valued.
- Compensation
- Not specified
- City
- Mumbai
- Country
- India
Currency: Not specified
Full Job Description
Location: Mumbai, Maharashtra, India
Are you ready to be at the forefront of digital payment innovation? Join our Payments Operations team and make a meaningful impact by ensuring seamless financial transactions. This is your opportunity to grow your career in a fast-paced environment, where your contributions will be valued and your skills will be honed.
As a Payment Lifecycle Specialist III within Payments Operations, you will play a crucial role in the smooth transfer of funds between various parties. Working under regular supervision, you will help maintain our reputation for excellent service and secure financial transactions. Your responsibilities will include payment processing across various products, such as the transfer of funds between financial institutions, cardholders, merchants, corporate and retail clients, and the reconciliation of purchase and sales options, futures, or securities. This may involve sanctions screening, payment investigations, funds control, exception processing, resolving reconciliation breaks, and invoicing or cash management activities.
Job responsibilities
As a Payment Lifecycle Specialist III within Payments Operations, you will play a crucial role in the smooth transfer of funds between various parties. Working under regular supervision, you will help maintain our reputation for excellent service and secure financial transactions. Your responsibilities will include payment processing across various products, such as the transfer of funds between financial institutions, cardholders, merchants, corporate and retail clients, and the reconciliation of purchase and sales options, futures, or securities. This may involve sanctions screening, payment investigations, funds control, exception processing, resolving reconciliation breaks, and invoicing or cash management activities.
Job responsibilities
- Execute high-volume payment processing tasks, including validating global currency fund transfers to ensure accurate and timely transactions, following established procedures.
- Process payments for cash, trade, merchant, or commercial card transactions as well as customer accounts and verification, performing basic research, reviewing sanctions, fraud, fund controls, and client investigation.
- Identify, resolve, or escalate procedural issues, operational errors, or potential fraudulent threats that may arise during payments processing and help prevent financial and reputational damage to the institution.
- Collaborate with cross-functional and cross-locational teams and clients, maintaining productive relationships to drive mutually beneficial outcomes in line with team objectives.
- Utilize automation technologies to streamline payment operations, enhancing efficiency and accuracy, and contribute to process optimization efforts by identifying inefficiencies in current processes and proposing solutions.
- Contribute to the development and implementation of anti-fraud strategies to detect and prevent fraudulent transactions.
- Informally coach new or less experienced teammates or check routine, non-complex tasks as needed.
Required qualifications, capabilities, and skills
- Basic or intermediate knowledge of global payment processing operations or similar operations, including understanding of standard operating procedures and customer-specific instructions.
- Skilled in effective execution and task management, with strong time management abilities to ensure timely and accurate completion of work while adhering to established policies and procedures.
- Proven ability in decision making and problem solving, utilizing critical and analytical thinking to ensure accuracy and effective solutions in moderately complex situations.
- Demonstrated communication skills and emotional intelligence, including a growth mindset and personal resiliency, to collaborate productively with management, teams, and other stakeholders in diverse and dynamic environments.
- Ability to collaborate with stakeholders and cross-functional teams to solve problems, influence outcomes, and drive continuous improvement initiatives in payment processing.
- Basic or intermediate computer, software, and technical skills, including alpha/numeric data entry and typing skills.
- Basic understanding of cybersecurity controls and anti-fraud strategies to assist in identifying and addressing potential threats to protect information and systems.
Preferred qualifications, capabilities, and skills
- Knowledge of ISO or Swift message processing or management.
- Demonstrated ability to apply automation technologies to streamline operational processes.
- Experience in identifying and addressing cybersecurity threats and applying anti-fraud strategies, with a focus on protecting information and systems.
- Exposure to AI-enabled tools and willingness to adopt emerging technologies that support process improvement and operational excellence
