Real Time Payments - Lead Solutions Analyst

JPMorgan Chase & Co. • Tampa, FL

5d

About The Position

Lead the forefront of innovative solutions analysis in a dynamic tech
environment, driving success through expertise in data analytics and technical
program delivery.

As a Lead Solutions Analyst in Commercial & Investment Bank, you will play a
central role in driving the success of our technical program delivery. Your deep
understanding of applications, platforms, and products will position you as a
key bridge between product owners, business, operations, and software
developers. Utilizing advanced analytical reasoning and technical fluency, you
will translate complex business requirements into well-structured and
technically feasible solutions. You will make data-informed decisions and
provide strategic insights to support key business initiatives. As a technical
subject matter expert, you'll navigate ambiguity, manage change effectively, and
communicate compellingly with diverse stakeholder audiences to ensure the
highest quality and professionalism in service delivery.

Requirements

• 5+ years of experience or equivalent expertise in solutions analysis, technical program delivery, or a related field
• Demonstrated experience in payment processing domains across lifecycle stages: initiation/intake, enrichment/qualification, controls, settlement, and clearing connectivity
• Strong understanding of payment controls and operations, including sanctions, fraud, funds control, exception handling, and lifecycle state management
• Advanced knowledge of ISO 20022 and SWIFT messaging, including ability to interpret message structures and map business requirements to data models
• Proven ability to elicit requirements and produce clear, implementation-ready documentation for business and technical audiences
• Strong SQL skills to query, validate, and analyze payment and operational data for decision support and requirement validation
• Strong knowledge of payment rails in the United States and international corridors, including high-value and low-value processing patterns
• Experience working with major clearing infrastructures and/or partner-bank connectivity models
• Ability to drive outcomes in a fast-paced, high-dependency environment with competing priorities
• Excellent analytical problem-solving skills and structured reasoning for ambiguity resolution

Nice To Haves

• Deep knowledge of High Value Payment systems, Low Value Payment systems, and Real-Time Payment rails
• Experience supporting migration programs from legacy payment platforms to modern event-driven architectures
• Strong proficiency in JIRA and related tooling for backlog management, traceability, and dependency tracking
• Ability to design and review test plans/scenarios with full acceptance coverage across functional flows, lifecycle events, and exception paths

Responsibilities

• Elicit, analyze, and document end-to-end payment requirements by partnering with product owners, business operations, architecture, and engineering to ensure functional clarity, feasibility, and delivery readiness
• Translate complex product and operational needs into structured solution requirements, including business process sequences, lifecycle state transitions, business error handling, and non-functional constraints
• Define system capabilities (the ‘What’) and acceptance outcomes with Product and Operations partners, including expected controls decisions (pass/hold/reject/recheck) and exception-routing behavior
• Perform data-flow and impact analysis across intake, capture, qualification, controls, settlement, and clearing connectors to identify gaps, dependencies, and migration risks
• Produce high-quality artifacts such as process maps, source-to-target mappings, business rules, data dictionaries, API/field requirements, and traceable acceptance criteria
• Lead requirement governance through backlog refinement, story decomposition, and prioritization with clear rationale (reuse vs new capability, config vs code)
• Collaborate with cross-functional teams to maintain standards, policies, and governance aligned to controls, compliance, resiliency, and operational support
• Support test strategy by defining business scenarios, validation criteria, and expected lifecycle/event outcomes for QA/UAT/E2E and cutover rehearsal
• Drive analysis for modernization and migration programs, including dual-run behavior comparison, parity validation, and operational readiness sign-off inputs
• Continuously build technical and domain knowledge in payments, standards, and market infrastructure changes to apply best practices and improve solution quality

Benefits

• 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.

What This Job Offers

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