JPMorgan Chase
Client Ops Associate II
Plano, TX · Full-time · Posted Oct 28, 2026
- Experience
- Minimum 3 years.
About the job
Reviews and assesses merchant applications and ongoing risk to make or recommend onboarding, retention, restriction, or termination decisions, documenting the evidence and rationale.
What you'll do
- Analyze merchant business information, financial documents, processing history, and risk indicators; assess exposure and assign or confirm Merchant Category Codes.
- Make or recommend risk decisions, coordinate due diligence, and contact merchants or internal partners to resolve information gaps.
- Maintain audit-ready records and identify recurring risks, control gaps, and opportunities to improve procedures or systems.
What they ask for
- At least 3 years of experience in merchant underwriting, payments risk, fraud risk, credit risk, or a related financial risk discipline.
- Ability to analyze merchant documentation and produce evidence-based decisions; working knowledge of merchant risk concepts.
- Ability to apply documented criteria, follow approval and escalation requirements, and maintain accurate audit-ready documentation.
- Strong written and verbal communication; ability to manage concurrent reviews and proficiency with spreadsheet and documentation tools.
Nice to have
- Experience with enhanced due diligence, complex or emerging merchant models, or Merchant Category Code governance.
- Experience with cross-functional risk and compliance partners, audits or remediation, policy improvements, or approved fraud and risk tools.
Tools
spreadsheet and documentation tools, approved fraud-risk tools
Model-written summary · the original posting is authoritative