Business Analysis Associate II

Working at Chase means making a real difference every day for your customers, your community and yourself. How? By putting others first, doing what's right and creating solutions that make lives better. Build your career on our strong foundation and help shape what's next−for you and for us. Chase, a leading provider of diverse financial services worldwide, is actively seeking service-center team members to create lifelong engaged relationships with our customers by delivering superior service and quality with every customer interaction.

As a Business Analyst II in the POS Fraud Strategy Team, you will manage fraud risk strategies within Commercial Card & Prepaid Card portfolios.  Blending skills of complex large scale data analysis and business acumen, you will perform complex risk analyses with the objective of reducing fraud related losses while balancing customer impact. This role will require frequent interaction and communication with cross-functional partners and presentation to managers and executives. You will excel at creative thinking and problem solving, be self-motivated, confident, and ready to work in a fast-paced energetic environment.  

       Job Responsibilities:

• Interpret large amounts of complex data to formulate problem statements and draw conclusions regarding underlying risk dynamics, trends, and opportunities. Conduct data mining and analysis to identify business opportunities and communicate findings to senior management.
• Manage, develop, communicate, and implement optimal fraud strategies (including rules, cutoffs, policies, operational flows, etc.) to protect the bank from fraud-related losses and improve customer experience at the Point of Sale.
• Identify key risk indicators and metrics, enhance reporting, and explore new analytic areas to better capture fraud. Provide subject matter expertise on strategy implementation/testing and initiatives related to risk mitigation process improvements.
• Collaborate with cross-functional partners to understand and address key business challenges, and work with business partners to design and implement enhancements to existing processes and/or business applications.
• Assist team efforts in the critical development of new fraud pattern or spending pattern detection tools. Develop and implement solutions that strengthen business operating models, enhance the client experience, and improve efficiency and controls with guidance.
• Provide clear and concise oral and written communication across various functions and levels, inclusive of Operations, IT, and Risk Management.
• Conduct project analysis, including documenting business requirements, detailing issues and risks, and drafting business processes and data flows. Identify gaps between applicable requirements and current procedures/controls and participate in driving resolution of mitigating controls.
• Perform data analysis, including data collection, synthesis, and translation of results into concrete actionable solutions.
• Define user acceptance test plans and test cases, coordinate and execute user acceptance testing, and interpret, assess, and communicate results to enable signoff on deliverables.
• Provide implementation support, inclusive of testing and process change management, ensuring those implementations meet requirements established by Oversight and Control partners.

• Work with minimal direction/independently, keeping management informed of progress and escalating issues as necessary.

  Required Qualifications, Capabilities and Skills:

• Bachelor's and/or Master's degree (OR related work experience) in a quantitative discipline within a financial services organization
• 3 years experience in fraud/risk/payments or related field 
• Proven track record performing complex statistical analysis to solve business problems in a well-organized, structured approach 
• Ability to achieve tight timelines on complex deliverables
• Required technical skills include leveraging Alteryx, Python, SQL, SAS, Spark to extract data from Hadoop, Hive, Teradata, SQL Server, and Oracle environments
• Skills in UNIX and MS Office related products including Excel, OneNote, PowerPoint, Teams, and Word (experience in pivot tables, charts/graphs, and formulas are also required)
• Must be a team player; Excellent relationship management skills
• Strong communication and interpersonal skills with ability to interact with individuals across departments / functions and with senior-level executives
• Excellent communication and presentations skills across various stakeholders and senior management, plus the ability to deal with different stakeholder groups to elicit business requirements, procedures, and processes
• Excellent analytical and logical thinking to understand and analyze complex business processes

• Ability to analyze and resolve project-related issues and follow through with set objectives

  Preferred Qualifications, Capabilities and Skills:

• Self-starter with ability to drive for resolution
• Strong organizational and prioritization skills, detail oriented, and strong interpersonal skills
• Strong knowledge and understanding of financial services 
• Ability to work in a high-paced environment, be flexible, follow tight deadlines, organize, and prioritize work
• Be a team player who shows commitment and dedication while maintaining a positive attitude and high level of performance on high profile/time-sensitive initiatives
• Preferred experience supporting more than one CCB Operations Function/Line of Business

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

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.