Revisions Underwriter Associate I - JPMorgan Chase Bank, N.A.

JPMorgan Payments Fraud Operations is a global leader in payment processing and merchant acquiring, authorizing transactions in over 130 currencies. Our proprietary platforms offer access to a wide variety of payment methods, including credit, debit, prepaid stored value cards, and electronic check processing. With a legacy of innovation in electronic payments, JPMorgan Chase has fueled the growth of e-commerce worldwide, processing over 50% of all Internet transactions. We provide secure payment solutions, improve cash-flow management, mitigate risk, and accelerate funding, helping small and emerging businesses become tomorrow's industry leaders. Our unique combination of outstanding service, innovative solutions, and financial strength benefits companies both large and small.

Job Summary:

As a Merchant Services Revisions Underwriter within the Fraud Operations organization, you will leverage your critical thinking skills to assess and evaluate the credit risk exposure of newly boarded merchant accounts. Your role will involve facilitating portfolio growth while mitigating loss, ensuring the legitimacy of merchants, and monitoring for fraudulent activities.

Job Responsibilities:

• Conduct post-boarding validation and financial analysis to effectively mitigate credit risk from processing behaviors exceeding approved thresholds.
• Evaluate merchant applications, websites, credit bureaus, and fraud prevention tools to thoroughly assess merchant legitimacy and financial capability.
• Adjust and restructure projections, carefully balancing financial viability against risk exposure.
• Analyze credit reports and accurately calculate notional risk associated with business models and payment methods.
• Conduct information-gathering calls to comprehensively understand financial profiles and processing characteristics.
• Ensure compliance with Payment Brand rules and regulations for existing merchants.
• Identify abnormal processing activities to proactively prevent fraud and mitigate loss exposure.
• Resolve time-sensitive and escalated requests, effectively handling complex issues.

Required Qualifications, Capabilities, and Skills:

• Possess a BS degree or a minimum of four years of experience in Merchant Services, banking/lending, including fraud, credit, and structuring.
• Demonstrate significant accounting and finance knowledge.
• Exhibit strong verbal, written, and interpersonal skills.
• Apply strong analytical and problem-solving skills.
• Maintain accuracy and attention to detail.
• Exercise independent judgment and prioritize work effectively.
• Communicate excellently (verbally and in writing).

Preferred Qualifications, Capabilities, and Skills:

• Have prior fraud case management experience.
• Utilize knowledge of fraud business applications, including Lexis/Nexis and Customer Assist.
• Lead team functions with experience in oversight.
• Support team-based activities, including performance oversight and coaching.
• Demonstrate advanced proficiency with Excel for problem-solving and reporting.
• Perform quality monitoring and provide feedback.
• Assess queue volume and recommend workflow distribution.
• Author procedure updates and conduct training.

Note: This is an individual contributor role.

JPMorgan Chase & Co., 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 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 is an Equal Opportunity Employer, including Disability/Veterans