JPMorgan Chase is hiring: ASSOCIATE, COMMUNICATION SERVICES: FULL TIME in Plano

Review merchant applications, websites, ownership and business information, credit reports, bank statements, prior processing statements, internal history, and approved fraud-risk tools
Validate business legitimacy and evaluate products or services, sales channels, and customer experience considerations
Assess expected processing volume, average transaction size, fulfillment timing, refund practices, dispute and chargeback patterns, and processing history
Identify restricted, prohibited, or heightened-risk activity and complete or coordinate required due diligence
Make or recommend approval, decline, retention, restriction, or termination decisions within established authority and risk appetite
Contact merchants and internal partners to obtain missing information, resolve discrepancies, and document a clear decision rationale
Serve as a primary contact for merchant risk escalations and provide an independent recommendation to onboard, retain, restrict, terminate, or escalate
Perform or coordinate enhanced due diligence for elevated-risk merchants, including licensing, registration, ownership, and business-practice reviews where applicable
Identify recurring risks, control gaps, and policy ambiguities; recommend improvements to procedures, training, documentation, or systems
Minimum 3 years of experience in merchant underwriting, payments risk, fraud risk, credit risk, or a related financial risk discipline
Demonstrated ability to analyze merchant documentation (for example: bank statements, processing statements, ownership and business information) and synthesize an evidence-based decision
Working knowledge of merchant risk concepts including disputes, chargebacks, refunds, fulfillment
on-delivery exposure, and prohibited or restricted business activity
Ability to apply documented risk criteria consistently and operate within defined approval authority and escalation requirements
Ability to manage multiple reviews concurrently while meeting service-level and quality expectations
Proficiency with spreadsheet and documentation tools for analysis, tracking, and reporting
Understanding of relevant legal, regulatory, and payment-network requirements for merchant onboarding and monitoring
Commitment to fair, consistent customer treatment and sound risk outcomes
Experience supporting enhanced due diligence reviews for elevated-risk merchants
Experience evaluating complex or emerging merchant business models and sales channels (for example: online marketplaces or subscription-based models)
Familiarity with Merchant Category Code assignment governance and high-risk category considerations
Experience partnering with Risk, Legal, Compliance, Controls, Operations, Sales, Client Management, and know your customer / anti-money laundering stakeholders
Ability to identify policy gaps and propose practical improvements to procedures, training, or tooling
Experience using approved fraud or risk tools to support merchant review and monitoring
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.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.
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. 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. 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. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.