Senior Product Associate - Payments Product

Unleash your expertise in product development and optimization by leveraging user research, analyzing metrics, and collaborating across one of the world’s most innovative financial organizations.

As a Senior Product Associate in Global Payments within Commercial & Investment Banking you contribute to the team by leveraging your expertise in product development and optimization to make a significant impact, supported by user research and customer feedback to fuel the creation of innovative products and continuously improve existing offerings. Collaborate closely with cross-functional teams and play a crucial role in shaping the future of our products and ongoing success. You will shape the future of payment connectivity by building secure, scalable file transmission solutions in the Payments area. As a core leader in Digital Channels & Connectivity, you will drive new product development and incubation from discovery through launch, act as the voice of the customer, and deliver resilient, compliant payment products that developers love and clients trust. You’ll pair rigorous, data‑driven decisioning with an entrepreneurial mindset to accelerate adoption and impact.
 

• Define and communicate product vision and strategy aligned to customer value, business goals, and measurable OKRs; translate strategy into a prioritized roadmap and resourcing plan.
• Monitor the end to end transaction journey from file receipt through clearing, focusing on scalability, resiliency, stability, and observability.
• Incubate and launch new connectivity capabilities (ISO 20022, SWIFT, H2H file exchange) using hypothesis‑driven, iterative development and experimentation frameworks.
• Partner across engineering, architecture, data science, finance, accounting, design, and controls to turn business requirements into technical specifications and deliverables.
• Establish clear rollout and change‑management strategies (beta programs, phased enablement, training, client comms) to ensure successful launches and ongoing customer adoption.
• Monitor the end‑to‑end transaction journey from file receipt through clearing; drive improvements in scalability, resiliency, stability, and observability with data.
• Define and track product and operational health metrics (OKRs, KPIs); build dashboards and insights to guide prioritization and post‑launch iteration.
• Champion the product vision and align senior stakeholders through strong written and verbal communication; structure decisions and secure buy‑in across regions and lines of business.
• Liaise with control partners to ensure adherence to internal policies, risk controls, and regulatory requirements; proactively identify and mitigate risks throughout the lifecycle.
• Write epics, user stories, and Gherkin acceptance criteria; lead UAT planning and defect triage; prepare product documentation, training materials, and client communications.
• Deliver both tactical enhancements and strategic platform capabilities that make file transmission channels more secure, operable, and commercially effective.

• 5+ years in product, delivering discovery‑to‑launch workstreams with increasing scope. 3+ years in product, delivering discovery‑to‑launch workstreams with increasing scope.
• Demonstrated cross‑functional leadership with engineering, design, marketing/comms, data science, finance, accounting, and controls; strong stakeholder management across senior audiences.
• Strong analytical and problem‑solving skills with a data‑driven approach to prioritization and decision‑making; ownership mindset with high autonomy.
• Proven track record launching new products/features that achieved measurable business impact (e.g., adoption, cycle‑time reduction, reliability).
• Secure connectivity and standards expertise: ISO 20022, SWIFT; H2H integrations and enterprise file transmission; protocols and security (SFTP/FTPS, HTTPS/API)
• Experience with enterprise file transmission protocols and security: SFTP/FTPS, HTTPS/API with mTLS, AS2/EBICS; encryption/signing via PGP/GPG, X.509; key management (HSM/PKI).
• Experience streamlining client connectivity and onboarding processes, reducing cycle times and enhancing the client experience.
• Analytics and Tooling: Proficiency with Tableau and Grafana for KPI dashboards; familiarity with enterprise logging/metrics/tracing and operational runbooks.
• Experience streamlining client connectivity and onboarding processes to reduce cycle times and improve client experience.
• Payments domain knowledge: global payments and cash management (US & global wires, US & global ACH, RTP, SEPA SCT/SCT Inst, BACS/FPS, checks); familiarity with clearing and settlement rails.

• Excellent communication and presentation skills; ability to articulate complex concepts to both technical and non‑technical stakeholders. Experience with Agile delivery and tooling (e.g., Jira) and writing behavior‑driven requirements (Gherkin).

• Experience building business insights products or working with data platforms that inform product and operational decisions.
• Hands‑on with iterative, hypothesis‑driven product development, experimentation, and A/B or pilot frameworks. 
• Experience integrating artifacts into developer portals/Docs systems to enable self‑service and reduce support burden.
• Accessibility knowledge and practical application of ADA/WCAG guidelines in digital products.
• Familiarity with US and non‑US clearing and settlement rails and industry‑supported file formats.
• Proficiency with Microsoft 365; experience with project/program management tools.
• Understanding of emerging technologies and trends shaping payments (e.g., real‑time payments expansion, ISO migration, open banking, API security, event streaming).

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 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.

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.