Applied AI/ML Lead - Vice President - Payments

As part of the Commercial & Investment Bank, JPMorgan Chase Payments enables organizations of all sizes to execute transactions efficiently and securely, transforming the movement of information, money, and assets.

We tackle complex challenges across the payments lifecycle with solutions that facilitate seamless transactions across borders, industries, and platforms.

Operating in over 160 countries and handling more than 120 currencies, we are a leading processor of USD payments with daily transaction volumes in the trillions.

As a Vice President, Applied AI/ML Lead (Sr Level IC role) within JPMorgan Chase Payments, you will own and drive the end-to-end delivery of high-impact AI/ML capabilities across the payments ecosystem-while remaining deeply hands-on.

You will apply modern neural networks (including Transformers) to build, fine-tune, distill, and deploy models that improve fraud/risk outcomes, operational automation, and client experience, operating under real-world constraints (latency, scale, reliability, explainability, and governance).

You will set technical direction, establish standards, and lead execution through influence-partnering closely with Product, Engineering, Risk, Compliance, and Data teams.

Job responsibilities


* Own a major AI/ML problem area end-to-end (e.g., transaction risk & fraud, anomaly detection, payment exceptions automation, routing/authorization optimization), from opportunity sizing and problem framing through production rollout and iteration.


* Design and build production-grade ML systems that operate at payments scale, balancing accuracy, latency, throughput, and cost across batch, near-real-time, and real-time inference patterns.


* Develop state-of-the-art neural approaches including Transformer architectures, representation learning, and sequence/graph methods where appropriate; apply fine-tuning (full/parameter-efficient), distillation, and model compression techniques to meet deployment constraints.


* Define rigorous evaluation and measurement: offline metrics, calibration, robustness testing, segmentation, and online experimentation where feasible; translate model lift into business impact (loss reduction, approval rates, false-positive reduction, ops productivity, client outcomes).


* Establish model lifecycle standards: reproducibility, testing, monitoring/alerting, drift detection, champion-challenger approaches, incident response/rollback, and ongoing performance governance.


* Partner with Risk/Compliance and model governance stakeholders to ensure appropriate documentation, controls, explainability/interpretability as required, and audit-ready processes.


* Lead through influence: drive technical decisions via design reviews, code/model reviews, and mentoring; raise the bar across applied scientists and ML engineers through best practices and pragmatic standards.


* Communicate clearly to senior stakeholders, including tradeoffs, limitations, and recommende...