Payments Specialist Jobs
Payments Specialist jobs are open across fintech, banking, healthcare, and e-commerce, from entry-level processing roles to senior and lead positions, with specializations in payment operations, reconciliation, and fraud and chargeback management. Find a role that fits from the openings below and apply directly.
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Drive growth in the Payments business by designing and commercializing tailored, end-to-end payment solutions for high-profile clients—translating complex needs into scalable implementations across modern rails (ACH, wire, RTP, and card-based disbursements).
As a Payments Solutioning Specialist within Payments, Treasury Services/ Payment Rails, you will define and configure complex payment solutions for high-profile clients. Partnering with Sales, Banking, Product, and Commercialization teams, you will advance opportunities, identify growth areas, and translate client needs into solutions that shape the future of the Payments business.
Job responsibilities
- Lead solution design and adoption for existing and emerging client-facing payment products, configuring solutions that address client needs and business objectives
- Partner with Sales, Banking, and other lines of business on RFPs, client opportunities, pricing, pipeline planning, and account planning
- Build and manage a qualified pipeline, advancing opportunities from discovery through close while identifying cross-sell opportunities that deepen client relationships
- Serve as a subject-matter expert on Payments products, client needs, and industry trends, building trust with clients and internal partners
- Collaborate with Product, Commercialization, and Go-to-Market teams to assess market fit, position solutions, execute commercialization strategy, and activate new product launches
- Capture client pain points and market feedback, translating insights into solution enhancements and strategic product-roadmap priorities
- Enable Sales through product training, collateral, and clear solution positioning that supports effective client engagement
Required qualifications, capabilities, and skills
- 5+ years of experience, or equivalent expertise, in payments solutioning, sales, product commercialization, or a related field
- Subject-matter expertise in payments, including ACH, wire, Real-Time Payments, disbursements to debit cards, Zelle, PayPal and Venmo, prepaid cards, and Pay by Bank
- Proven success navigating complex sales cycles, managing opportunities from discovery through close, and delivering measurable growth outcomes
- Ability to translate client needs into implementable solutions and product requirements, influencing roadmaps without direct engineering ownership
- Strong executive communication and presentation skills, with the ability to explain complex concepts clearly to technical and non-technical audiences
- Demonstrated ability to build trusted relationships with clients and senior internal stakeholders and to influence across a highly matrixed organization
- Strategic, hands-on approach to identifying client pain points, resolving tradeoffs, and driving solutions through ambiguity to implementation
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
ABOUT THE TEAM
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.
Drive growth in the Payments business by designing and commercializing tailored, end-to-end payment solutions for high-profile clients—translating complex needs into scalable implementations across modern rails (ACH, wire, RTP, and card-based disbursements).
As a Payments Solutioning Specialist within Payments, Treasury Services/ Payment Rails, you will define and configure complex payment solutions for high-profile clients. Partnering with Sales, Banking, Product, and Commercialization teams, you will advance opportunities, identify growth areas, and translate client needs into solutions that shape the future of the Payments business.
Job responsibilities
- Lead solution design and adoption for existing and emerging client-facing payment products, configuring solutions that address client needs and business objectives
- Partner with Sales, Banking, and other lines of business on RFPs, client opportunities, pricing, pipeline planning, and account planning
- Build and manage a qualified pipeline, advancing opportunities from discovery through close while identifying cross-sell opportunities that deepen client relationships
- Serve as a subject-matter expert on Payments products, client needs, and industry trends, building trust with clients and internal partners
- Collaborate with Product, Commercialization, and Go-to-Market teams to assess market fit, position solutions, execute commercialization strategy, and activate new product launches
- Capture client pain points and market feedback, translating insights into solution enhancements and strategic product-roadmap priorities
- Enable Sales through product training, collateral, and clear solution positioning that supports effective client engagement
Required qualifications, capabilities, and skills
- 5+ years of experience, or equivalent expertise, in payments solutioning, sales, product commercialization, or a related field
- Subject-matter expertise in payments, including ACH, wire, Real-Time Payments, disbursements to debit cards, Zelle, PayPal and Venmo, prepaid cards, and Pay by Bank
- Proven success navigating complex sales cycles, managing opportunities from discovery through close, and delivering measurable growth outcomes
- Ability to translate client needs into implementable solutions and product requirements, influencing roadmaps without direct engineering ownership
- Strong executive communication and presentation skills, with the ability to explain complex concepts clearly to technical and non-technical audiences
- Demonstrated ability to build trusted relationships with clients and senior internal stakeholders and to influence across a highly matrixed organization
- Strategic, hands-on approach to identifying client pain points, resolving tradeoffs, and driving solutions through ambiguity to implementation
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
ABOUT THE TEAM
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.
Payments Specialist Jobs by Experience Level
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Find Payments Specialist JobsPayments Specialist Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Fintech
- Technology & Software
- Healthcare & Medical Services
- Investment & Asset Management
What Employers Look For
The qualifications that appear most often in payments specialist jobs.
- Experience processing ACH, wire, or card payments in a high-volume environment
- Proficiency with payment processing platforms such as Stripe, Adyen, or FIS
- Strong reconciliation and exception resolution skills across multiple payment types
- Bachelor's degree in finance, accounting, business, or a related field
- Familiarity with chargeback management, dispute resolution, or fraud prevention workflows
- Knowledge of PCI-DSS compliance requirements and payment industry regulations
Tips for Your Payments Specialist Job Search
Tailor your resume to payment rails
List the specific payment networks and processing systems you've worked with, such as ACH, wire transfers, card networks, or real-time payments. Recruiters for payments specialist roles screen for system familiarity before they read anything else on your resume.
Quantify reconciliation and error resolution
Hiring managers want to see scale and accuracy. Replace vague statements with specifics about transaction volumes you handled, reconciliation cycle times you improved, or discrepancy rates you reduced. Concrete numbers make your experience believable and comparable.
Apply early to roles that fit
Migrate Mate lists payments specialist openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter openings by the software they require
Payments teams often specify tools like Stripe, Adyen, Bottomline, or SAP in their job descriptions. Search openings by tool name alongside the job title to surface roles where your existing software skills are a direct match, not a gap to close.
Prepare a case study for your interview
Most payments specialist interviews include a scenario question about a failed payment, a reconciliation discrepancy, or a chargeback dispute. Walk in with a real example of how you identified a root cause and resolved it, framed as a short story with a clear outcome.
Negotiate around shift differentials and on-call
Payment operations roles at banks and processors often involve weekend coverage or holiday on-call rotation. Ask about those terms before accepting an offer, and negotiate compensation or schedule flexibility for non-standard hours as part of your total package discussion.
Payments Specialist Jobs: Frequently Asked Questions
Which companies are hiring the most payments specialists?
The companies hiring the most payments specialists right now include Truist, JPMorganChase, and REPAY, with the largest share of openings in New York, Texas, and Utah, based on current listings on Migrate Mate as of September 2026. Fintech platforms and regional banks tend to post the highest volume of openings on a rolling basis.
How many payments specialist jobs are remote?
About 47% of payments specialist openings are fully remote or hybrid as of September 2026, making it a reasonably flexible role compared to other finance positions. Sub-areas like payment operations support, reconciliation analysis, and chargeback coordination tend to have the highest share of remote-eligible postings.
How do you become a payments specialist?
Start by building familiarity with payment processing fundamentals, including ACH, wire transfers, and card network rules, through coursework, certifications, or entry-level accounting and operations roles. Gain hands-on experience with reconciliation and exception handling, then move into a payments-specific position. Certifications from organizations like NACHA or the Association for Financial Professionals can strengthen your candidacy.
Can you get hired as a payments specialist with little experience?
Yes, many employers hire payments specialists at the entry level and train on proprietary systems, especially at fintech companies and payment processors. Focus on transferable skills like data entry accuracy, customer dispute resolution, or bookkeeping. Highlight any exposure to financial software, even in an adjacent role, and apply to positions that explicitly list entry-level or associate in the title.
What does the payments specialist interview process look like?
Most payments specialist interviews include an initial screen with a recruiter, followed by one or two rounds with the hiring manager and a team lead. Expect scenario-based questions about reconciliation discrepancies, failed payment resolution, and compliance situations. Some employers add a short written exercise or a walkthrough of a mock exception case to assess your process and attention to detail.
Where can I find and apply to payments specialist jobs?
You can find and apply to payments specialist jobs on Migrate Mate, which lists current openings from employers across the United States. Search the available roles, find the ones that match your experience and specialization, and apply directly to each listing that fits.
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