Description

Join a team that ensures smooth and secure client payment operations. You'll help set up fraud protection services and translate business needs into effective solutions. Collaborate across various functions to test and launch secure file flows, solving new challenges daily. If you thrive on detail and quality, this role is for you.

As an Account Reconciliation Program Fulfillment Analyst in Payments Operations, you ensure clients are set up accurately, tested thoroughly, and activated flawlessly across account reconciliation, positive pay, check print, and related services. You partner with cross‑functional teams to validate requirements, test file transmissions, and resolve issues quickly. You will help us strengthen fraud protection, reduce risk, and deliver a reliable experience for our clients.

Job responsibilities

• Onboard clients to account reconciliation, positive pay, controlled disbursement, payables services, catalyst, and check print solutions.
• Validate feasibility of requested services; reject and coach on corrections when requirements are incomplete.
• Configure inbound and outbound file transmissions and coordinate testing with implementation and connectivity teams.
• Execute new setups, changes, and deactivations with precision and within defined service levels.
• Review and process daily self‑enrollment tasks; close workflow items by end of day.
• Perform end‑to‑end file format and routing tests; analyze results to confirm successful processing.
• Record work in quality control logs; remediate peer review findings promptly to prevent customer impact.
• Maintain install calendars and readiness lists; execute activation steps on install days without disruption.
• Respond to mailbox inquiries; research issues and provide clear, timely guidance to partners and clients.
• Follow documented standard operating procedures; raise gaps or errors for update and maintain runbook accuracy.

Required qualifications, capabilities and skills

• 3 years experience in payments operations, treasury services, or cash management.
• 2 years experience configuring or supporting account reconciliation, positive pay, or comparable cash control services.
• 1 year hands‑on experience with IBM mainframe tools (TSO/ISPF) or an equivalent host environment.
• Working knowledge of structured file formats such as CSV or fixed‑width; ability to validate layouts against specifications.
• Proven attention to detail with disciplined use of checklists and quality controls.
• Strong problem solving skills to identify root cause on errors and failed transmissions.
• Strong written and verbal communication skills for stakeholder coordination and issue resolution.
• Experience using enterprise workflow or ticketing tools to manage queues and document outcomes.

Preferred qualifications, capabilities and skills

• Strong experience with ARP (Account Reconciliation Program)
• Experience with Controlled Disbursements and Check Print Outsourcing processes.
• Exposure to quality frameworks and peer review workflows in an operational environment.
• Client implementation or onboarding experience within financial services.
• Familiarity with fraud controls such as Positive Pay, Payee Name, and Reverse Positive Pay exception decisioning.

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.