If you're energized by fast-paced problem solving and making complex processes feel easy for clients, you'll love this role.

As a Transaction Specialist IV within Disbursement Operations, you'll manage a portfolio of commercial client accounts and perform critical reconciliation and exception-processing activities that support the accurate movement of funds. You'll balance account activity, research payment discrepancies, resolve check exceptions, and prepare reports that help clients reconcile their accounts. This role requires strong analytical skills, attention to detail, and the ability to manage competing priorities in a high-volume environment. You'll partner closely with internal teams and offshore support groups to resolve inquiries, maintain operational accuracy, and deliver exceptional client service.

Job Responsibilities

• Manage a portfolio of client accounts and perform daily reconciliation activities with a focus on accuracy and risk management.
• Review, process, and resolve check payment exceptions using reconciliation and transaction processing systems.
• Balance outstanding check activity and research discrepancies to ensure timely resolution.
• Prepare monthly and ad hoc financial reports to support client reconciliation requirements.
• Investigate and resolve transaction-related issues by analyzing account activity and payment data.
• Process transactions across multiple systems while maintaining established quality and productivity standards.
• Respond to client inquiries and Navigator cases within established service levels.
• Partner with offshore operations teams to research and resolve account and transaction questions.
• Verify and validate transaction data from a variety of sources to ensure accurate processing.
• Participate in process improvement discussions, training activities, and team meetings.
• Support overtime and additional workload requirements during peak processing periods and month-end activities.

Required Qualifications, Capabilities, and Skills

• Experience in banking operations, reconciliation, transaction processing, or a related financial operations environment.
• Strong analytical and problem-solving skills with the ability to research and resolve discrepancies.
• Experience balancing accounts and managing multiple priorities in a deadline-driven environment.
• Excellent attention to detail and commitment to operational accuracy.
• Strong written and verbal communication skills.
• Ability to manage a portfolio of accounts and meet established service level requirements.
• Proficiency in Microsoft Office applications, including Excel, Outlook, and Word.
• Ability to work independently while collaborating effectively with internal and offshore partners.
• Strong organizational and time management skills.
• Flexibility to support additional workload during peak-volume periods.

Preferred Qualifications, Capabilities, and Skills

• Experience supporting account reconciliation or exception-processing functions.
• Understanding of check payment processing and disbursement operations.
• Experience preparing financial or reconciliation-related reporting.
• Knowledge of Positive Pay or treasury service operations.
• Advanced Excel skills for reporting and data analysis.
• Experience supporting more than one CCB/CIB/CB Function/Line of Business

Training Work schedule: Monday - Friday 9: 00 am - 5: 30 pm

Normal Work schedule: Monday - Friday 7: 30 am - 4: 00 pm

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