Senior Product Associate – Payment Processing

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 Payment Processing, 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.

As a Senior Product Associate – Payment Processing (Card Present & Card Not Present) in Acquiring Platforms & Rails, you drive product development and optimization across Card Present and Card Not Present payment channels, translating customer needs and payment performance insights into prioritized roadmaps and shipped capabilities. Success looks like measurably higher authorization rates, lower fraud and chargebacks, resilient platform performance at scale, and clear alignment across product, engineering, risk, and commercial stakeholders to deliver end-to-end payment processing value globally.

• Partner with the Product Manager to define and deliver Card Present and Card Not Present product capabilities across in-store and digital commerce journeys
• Translate user research, client feedback, and merchant pain points into clear requirements, epics, and user stories with channel-specific acceptance criteria
• Drive adoption of network tokenization and Card Not Present authentication features such as 3D Secure 2 to improve approval rates and reduce fraud
• Coordinate integration of fraud screening and decisioning capabilities to balance customer experience, losses, and compliance requirements
• Plan and manage upstream and downstream impacts of new features on authorization routing, decline management, chargebacks, and reconciliation
• Monitor and improve key payment metrics including approval rates, transaction latency, decline rates, fraud ratios, and conversion outcomes
• Collaborate with card networks and external partners to support product changes, certification needs, and rule compliance across payment rails
• Partner with risk, compliance, and legal teams to ensure adherence to applicable standards and regulations including PCI-DSS and PSD2 where relevant
• Work with settlement and funding teams to support global settlement currency needs, funding flows, and operational readiness for new launches
• Support interchange and cost optimization initiatives by aligning product design, routing strategies, and network programs to business goals
• Communicate product trade-offs, launch plans, and performance results to stakeholders, maintaining clear documentation and decision logs

• Bring 3+ years of experience in product management or product strategy
• Demonstrate strong understanding of the card payment ecosystem including authorization, clearing, and settlement concepts
• Explain and map end-to-end Card Present transaction flows including EMV, contactless, and PIN debit considerations
• Explain and map end-to-end Card Not Present transaction flows including e-commerce, gateway, and recurring billing patterns
• Apply working knowledge of PCI-DSS requirements and how they influence product design and operational controls
• Use data to diagnose payment performance issues and interpret trends in approval rates, declines, latency, and fraud metrics
• Write clear, testable requirements and acceptance criteria suitable for engineering delivery and quality assurance validation
• Collaborate effectively in cross-functional, matrixed environments with product, engineering, risk, compliance, operations, and commercial teams
• Communicate complex payment topics crisply to both technical and non-technical audiences, including senior stakeholders
• Execute with strong prioritization, organization, and ownership in a fast-moving platform environment operating at high scale
• Demonstrate structured problem-solving, sound judgment, and a customer-first mindset in ambiguous problem spaces

• Experience in payments, merchant acquiring, or financial services
• Deliver a track record leading end-to-end product development life cycle for complex Card Present and Card Not Present payment initiatives
• Bring experience working within a merchant acquirer, processor, or payment network in a highly matrixed operating model
• Show familiarity with modern payment platform architectures including cloud, microservices, and API-driven gateway patterns
• Understand 3D Secure 2 and Strong Customer Authentication concepts and their impact on conversion, fraud, and issuer behavior
• Demonstrate knowledge of interchange dynamics and levers that influence authorization outcomes and cost-to-serve
• Understand terminal and device ecosystem considerations including terminal management, certifications, and in-store rollout constraints
• Show familiarity with alternative payment methods such as Apple Pay, Google Pay, and buy now pay later and how they integrate into acquiring flows
   

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

A part of the Commercial & Investment Bank, J.P. Morgan Payments enables organizations of all sizes to execute transactions efficiently and securely, transforming the movement of information, money, and assets. The team of experts tackles complex challenges at every stage of the payment lifecycle. And their industry-leading solutions facilitate seamless transactions across borders, industries, and platforms.

Operating in over 160 countries and handling more than 120 currencies, J.P. Morgan Payments business is the largest processor of USD payments, with a daily transaction volume of $10 trillion.