Risk Management - Risk Oversight Lead Commerce - Executive Director

Job Description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks and using your expert judgement to solve real‑world challenges that impact our company, customers, and communities. Our culture is all about thinking outside the box, challenging the status quo, and striving to be best‑in‑class.

As the Risk Management Oversight Lead for Commerce Payments Executive Director in the Consumer & Business Banking Risk Management group, you will play a pivotal role in safeguarding our payment products and services. In this Executive Director position, you will evaluate and recommend effective fraud and scam controls to Chase's agile product owners for both new business initiatives and existing payment processes.

Leveraging your expertise in digital wallets, tokenization, co‑branded cards, and other innovative payment features, you will proactively identify and assess potential risk scenarios. You will serve as a key member of the Risk Oversight team’s second line of defense, reviewing product and feature designs and advising on robust controls to ensure secure and resilient card solutions for our customers. You will also manage and lead a small team of individual contributors.

In addition, you will work in partnership with Legal, Compliance, and Controls teams to address emerging issues and concerns, providing timely and actionable guidance. You will also communicate critical product challenges and risk insights to senior leadership, helping to shape strategic decisions and drive continuous improvement in our risk management practices.

• Identify ways payment use cases can facilitate fraud, scam, operational or reputational risk.
• Evaluate new payment features or modifications to existing services to ensure all risks are identified and mitigated with appropriate controls.
• Possess deep knowledge of wallet payment flows and cross‑channel controls used to mitigate inherent risk in Digital.
• Represent the interests of other internal stakeholders in risk management.
• Collaborate with the business to solve problems but escalate within the risk management framework when the business exposes the bank to unsafe risk.
• Stay abreast of changes in provisioning, tokenization, authentication, technology, and digital financial services.
• Deconstruct and explain complex concepts and issues in a business‑friendly manner to senior/executive management.
• Work effectively as an individual contributor and as a collaborative team member on simultaneous projects.
• Possess excellent verbal and written communication skills and the ability to interact professionally with executives, managers, and subject‑matter experts.
• Work well in a team environment, including cross‑functional teams.

• Bachelor’s degree.
• Minimum of 10 years in a risk function (Fraud, Scams, or Reputational Risk).
• Minimum of 5 years managing teams.
• Experience with digital and commerce payments (e.g., Zelle, wallets, RTP, cards).
• Ability to defend positions and influence with quantitative analysis developed with an analytical team.
• Ability to work effectively with both business and technically oriented individuals.
• Excellent written and verbal communication skills.
• Ability to work in a diverse and inclusive environment.

To be eligible for this role, you must be authorized to work in the United States. JPMorgan Chase & Co. does not offer any type of employment‑based immigration sponsorship for this role.

Equal Opportunity Employer. We do not discriminate on the basis of any protected attribute and we make reasonable accommodations for applicants’ and employees’ religious practices and needs. Visit our FAQs for more information about requesting an accommodation.

Director

Full‑time

Finance and Sales