Description

Join a team where your ideas shape the future of digital payments and financial security. You will tackle complex challenges, work with cutting-edge technology, and collaborate with talented peers in a culture that values creativity, ownership, and impact. Accelerate your career while making a difference for millions of users worldwide. Operating in over 160 countries and handling more than 120 currencies, we are the largest processor of USD payments, with a daily transaction volume of $10 trillion.

As an Applied AI ML Scientist, you will design, build, and deploy advanced machine learning models that drive the safety and reliability of our payments platform. You will operate at the intersection of research and production, taking full ownership of model performance from concept to deployment. You will collaborate with scientists and engineers who thrive on innovation, and your work will directly influence the future of digital payments and financial security.

Job Responsibilities:

• Develop, train, and deploy machine learning models for fraud prevention and risk management in a fast-paced, collaborative environment.

• Research and implement novel architectures, including Graph Neural Networks and Large Language Models, within the payments space.

• Build and maintain data pipelines for model training and evaluation using industry-leading tools.

• Monitor and optimize model performance in real-world environments, adapting to evolving fraud patterns.

• Lead technical strategy and guide analytical direction within the team, fostering a culture of innovation.

• Collaborate with cross-functional teams, including product, engineering, and data science, to align modeling solutions with business objectives.

• Contribute to the continuous improvement of our machine learning stack and best practices.

Required qualifications, capabilities, and skills:

• Master's degree in Computer Science, Mathematics, Statistics, Physics, or a related quantitative field, or equivalent work experience.

• Possess a deep understanding of machine learning theory and algorithms.

• Proficient in Python, with experience in deep learning frameworks such as PyTorch or TensorFlow, as well as classical machine learning tools like XGBoost or Scikit-learn.

• Hands-on experience working with large datasets using data engineering tools such as Spark, Databricks, or Snowflake, and will work with one of the largest sets of payments data.

• Proven track record of building and maintaining models in a business-critical environment, directly influencing money movement across the globe.

Preferred qualifications, capabilities, and skills:

• Deeply technical and understand the mathematics behind the algorithms, not just how to import the library.

• Product-first mindset, focusing beyond model performance and taking responsibility for the product as a whole, understanding the role models play in the user experience.

• Versatile modeler, able to seamlessly handle both tabular and non-tabular data using classical machine learning (e.g., trees/forests) and modern deep learning techniques.

• Driven by impact and energized by the responsibility of having your models make decisions on live financial transactions.

FEDERAL DEPOSIT INSURANCE ACT:

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

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.