Senior Associate, Business Validation - Open Banking

We are looking for an energetic and forward-thinking professional to join our newly created Open Banking Strategic Business Unit (SBU) as a Business Validation Associate. In this pivotal role, you will have the opportunity to design and implement new processes that drive operational excellence and robust risk management for a rapidly expanding, revenue-generating business. You will collaborate with senior leaders and cross-functional teams to uphold the highest standards of compliance, transparency, and client service.

As a Senior Associate, Business Validation within Open Banking, you'll independently assess how we manage key risks across product design, platform services, client requirements, and data and vendor risk management across the third-party relationships that power our API ecosystem — all while supporting Chase's commitment to customer disclosure and contractual obligations.

The Chase Open Banking team is committed to empowering customers to share their financial data securely, safely, and transparently within the open banking ecosystem. Our mission is to deliver market-leading platforms that enable aggregators and direct connectors to securely access customer-permissioned data, while building out a two-sided business model that benefits both customers and commercial partners. We collaborate closely with partners across billing, invoicing, and are developing a self-service developer portal to streamline integration and access.  We support our customers' ability to access their financial data and have full control and visibility in sharing it securely with the apps and companies they choose.

Job Responsibilities

• Support the day-to-day operation of the third-party and vendor risk management framework, including tracking, triaging, and resolving data aggregator issues
• Conduct root cause analysis on incidents and drive remediation through to closure with clear, auditable documentation
• Monitor adherence to data and control requirements within third-party relationships and follow up on gaps to resolution
• Analyze data aggregator performance metrics and convert findings into practical risk and control improvements
• Escalate incidents and control concerns in line with established protocols and capture lessons learned to reduce recurrence
• Contribute to the design of a business validation methodology for an API-driven, agentic AI environment
• Define controls, testing approaches, and oversight mechanisms that evidence traceability, accountability, and customer protection
• Independently validate new product deployments and key risk decisions across product design, platform services, and third-party data usage
• Prepare concise, decision-ready reporting for governance routines and senior leaders to support transparency and timely action
• Develop and maintain robust business controls to mitigate operational, regulatory, and reputational risks across Open Banking activities
• Support secure, customer-permissioned data sharing processes, ensuring alignment with regulatory requirements and industry best practices

Required qualifications, capabilities, and skills 

• 5+ years of experience in financial services, with a proven track record in third party management, operations,  business validation, risk management or controls 
• Bachelor's degree required
• Collaborative mindset with strong interpersonal skills
• Demonstrated ability to manage and execute operational strategies in a complex, matrixed environment within a technology-driven product organization. 
• Exceptional organizational, multitasking, and prioritizing abilities (including utilization of MS teams, SharePoint and equivalents to structure the team operating model)
• High attention to detail and the ability to perform well under pressure in a fast-paced environment.
• Strong understanding of one or more of the following: data access and data sharing frameworks, API-driven product ecosystems, third-party/fintech partnerships, or Consumer Banking regulatory and industry standards. 
• Strong culture carrier with a team first mindset
• Demonstrated experience in third-party risk management (TPRM), vendor oversight, or data aggregator/partner management, including independent reviews and contract management.
• Ability to drive compliance with customer disclosures, contractual obligations, and data-driven risk analysis.
• Strong communication, negotiation, conflict resolution, and interpersonal skills, with a collaborative mindset.

 Preferred qualifications, capabilities, and skills

• Familiarity with Open Banking concepts and Agile methodologies and innovation in financial services is preferred but not required.

Note: This role requires five days in the office (Mon-Fri) and will not support Hybrid options. Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting. This role does not provide relocation assistance, so all candidates must be local to the work locations listed in the job posting or willing to relocate on their own immediately upon hire.

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. 

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.

Equal Opportunity Employer/Disability/Veterans

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.