Description

JPMorganChase runs the world's largest wholesale payments network across Treasury Services, Merchant Services, Trade, and Commercial Card, enabling clients to pay globally in any currency and payment method. It delivers an end-to-end suite spanning Payments, Liquidity, Trade, and Finance, supported by real-time insights and expert advice. This role is in Applied AI and Machine Learning, partnering closely with Wholesale Payments Operations, which processes over 106 million transactions worth $6 trillion daily across 120+ currencies and receives payments in 40+ countries.

As an AI/ML Engineer in Wholesale Payments Operations, you will design, implement, and deploy high-quality solutions for the complex business problems we face at JPMorganChase. We have rewarding technical challenges, large data sets, and a tremendous opportunity for innovative AI/ML work, including NLP, document understanding, agentic system design, and AI-assisted development. You'll draw on strong software engineering fundamentals and modern AI techniques to deliver commercially impactful, production-grade solutions. The ideal candidate will have a deep understanding of design patterns, Python programming, cloud infrastructure, and the emerging discipline of prompt engineering and AI-augmented development.

We're looking for enthusiastic, bright, and personable people with strong communication skills, a collaborative working style, and a passion for shipping real AI solutions. We value people who take ownership, seek feedback, and make the team around them better.

Job responsibilities

• Learn Wholesale Payments Operations workflows deeply, identify high-impact opportunities, and translate ambiguous problems into clear solutions with measurable outcomes.
• Design, implement, and deploy AI/ML services to cloud infrastructure with production-quality reliability, monitoring, and operational readiness.
• Build and maintain data pipelines that enable repeatable training, evaluation, and continuous improvement of models in production.
• Apply AI/ML techniques across text and documents (e.g., NLP, document analysis, text/image classification, OCR) to create automated decisioning and workflow augmentation solutions.
• Use AI coding assistants effectively (e.g., GitHub Copilot, Claude Code, or firm-approved equivalents) to accelerate delivery while maintaining engineering rigor: readability, tests, security-mindedness, and maintainability.
• Prompt engineer and iterate systematically: write, test, and refine prompts; develop evaluation strategies; and document prompt patterns to make AI behaviors reproducible and reviewable.
• Design agentic systems where appropriate: decompose tasks, define tool interfaces, add safeguards, and measure quality/latency/cost tradeoffs to ensure controllable, production-ready automation.
• Refactor code, write tests, and uphold code quality metrics so models and services remain robust as products scale.
• Analyze and evaluate ongoing model and service performance, diagnose failure modes, and drive continuous improvements.

Required qualifications, capabilities, and skills

• Bachelor's degree in Computer Science or a related field.
• 2+ years of hands-on Python experience with a proven ability to build production-grade software (APIs/services, testing, refactoring).
• 1+ year of hands-on experience deploying to cloud infrastructure (AWS or equivalent) and working within production constraints (latency, reliability, observability).
• Strong object-oriented design and concurrency fundamentals.
• Practical experience applying AI/ML techniques (e.g., text mining, document analysis, classification, OCR) and evaluating model quality in real-world settings.
• Track record of independently driving solutions from problem framing through deployment and iteration, with measurable outcomes.
• Proficiency using AI coding tools (e.g., GitHub Copilot, Claude Code) to increase development throughput while preserving code quality.
• Working knowledge of prompt engineering: ability to design, test, and iterate on prompts for repeatable, high-quality AI outputs.
• Strong communication skills and a collaborative, team-first working style.

Preferred qualifications, capabilities and skills

• AWS (or equivalent) beyond basics, including managed ML platforms such as SageMaker (or equivalent) for training and deployment workflows.
• Experience building LLM-powered solutions, including designing agentic workflows with measurable evaluation and guardrails.
• Track record of accelerating delivery using AI-assisted development while maintaining high engineering standards (tests, refactoring discipline, production readiness).
• Experience productionizing NLP and/or document understanding solutions at scale.

About Us

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

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.