Business Analyst – Real-Time Payments

JPMorgan Chase & Co. • Tampa, FL

10h • Onsite

About The Position

As a Senior Product Delivery Associate on the Global Cash Operations & Transformation (COT) team, you will enable stable, scalable product delivery and support change initiatives for Real-Time Payments. You will work across Operations, Product, Finance, and Technology to define requirements and support the delivery and adoption of digital payment products. Responsibilities may evolve to meet business needs.

The role involves discovering and translating business needs into delivery requirements; assessing operational impacts and future-state processes; identifying risks and controls; supporting testing, operational readiness, implementation, and go-live; and maintaining program documentation and delivery tracking. The position is full-time, in-office, and scheduled for 40 hours per week. Visa sponsorship is not available.

Requirements

• At least 3 years of experience or equivalent expertise in product management or a relevant domain area.
• Demonstrated performance in product management or a relevant domain area.
• Experience executing operational management and change readiness activities.
• Experience in product deployment processes.
• At least 6 years of experience in financial services payments delivery, including direct Real-Time Payments scheme experience.
• Self-starter with strong execution discipline and stakeholder management skills.
• Ability to build trusted relationships, influence decisions, and align cross-functional teams.
• Proficiency with 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-solving and attention to detail.
• Proficiency in JIRA, Excel, PowerPoint, and process-mapping tools.

Nice To Haves

• 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.
• Familiarity with Monday.com, Alteryx, Tableau, and responsible AI-assisted analysis.
• Experience supporting more than one CCB Operations Function or Line of Business.

Responsibilities

• Collaborate with the Product Delivery Manager on key delivery tasks and identify ways to improve efficiency.
• Support change management activities across functional partners and monitor adherence to risk, controls, compliance, and regulatory requirements.
• Raise blockers and impediments to the Product Delivery Manager to manage dependencies and resource needs.
• 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 operational, regulatory, fraud, sanctions, liquidity, accounting, and reconciliation risks 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 AI-enabled automation opportunities.
• Maintain program artifacts, deliverables, milestones, and RAID logs.

Benefits

• Competitive total rewards package, including base salary; eligible roles may also receive commission-based pay and/or discretionary incentive compensation in cash and/or forfeitable equity.
• Comprehensive health care coverage.
• On-site health and wellness centers.
• Retirement savings plan.
• Backup childcare.
• Tuition reimbursement.
• Mental health support.
• Financial coaching.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed