Play a key role in shaping client liquidity strategies by analyzing and structuring deposit and sweep solutions, while partnering with senior stakeholders across product and coverage teams.

As a Senior Associate in Liquidity & Account Solutions (“L&AS”), you contribute to the deal teams and product leadership by analyzing, structuring, and recommending exception pricing across on-balance sheet deposit products and sweeps for wholesale clients. You will own deal analytics, including balance assumptions, beta sensitivity, non-interest revenue (NIR) mix considerations, and profitability/margin impact for a dynamic portfolio of clients across the GCB. You will partner with Coverage, Treasury, Product, and Risk/Controls to ensure pricing is competitive, policy-aligned, and well-governed.

Job Responsibilities

• Evaluate and underwrite exception pricing requests across on-balance sheet deposits (ECR / Interest / MMDA) and sweep structures; document rationale, key risks, and recommended terms.

• Build and maintain deal economics views, including rate sensitivity/beta, margin impact, relationship profitability, and trade-offs across pricing versus product bundle.

• Operationalize rate sensitivity segmentation governance for beta management for deals or in response to market changes and clearly articulate when and why deviations are warranted.

• Produce executive-ready outputs, including approval memos, pricing summaries, competitive context, and decision logs with clean assumptions and an audit trail.

• Identify themes from approvals (e.g., pricing related attrition, recurring exceptions, sector dynamics) and propose refinements to controls, playbooks, and guidelines.

• Partner with coverage teams supporting complex liquidity structures and multi-product relationships where deposit pricing is tied to overall wallet and revenue mix.

Required qualifications, capabilities, and skills

• Experience in transaction banking, liquidity/treasury products, deposit pricing, or deal management; demonstrated ability to support pricing decisions with analytical rigor.
• Exposure to deposit products (ECR, Interest, MMDA) and/or Investment Sweeps (on and off balance-sheet)
• Familiarity with wholesale client coverage and relationship economics, including multi-product trade-offs and NIR mix considerations.
• Strong quantitative skills, including advanced Excel, scenario/sensitivity analysis, and disciplined assumptions QA.
• Strong written communication for senior stakeholders, including concise narratives and defensible recommendations.
• Sound judgment and control orientation, including policy adherence, documentation discipline, and appropriate escalation.
• Advanced PowerPoint and written communication skills, with a proven ability to distill complex data into concise, decision-ready narratives that connect insight to action for senior stakeholders.

Preferred qualifications, capabilities, and skills

• Experience partnering cross-functionally (Client Coverage, Product, Treasury, Risk/Controls, Legal/Compliance) in a governed pricing environment.
• Analytical rigor; structured problem solving; stakeholder management; comfort operating at pace with high decision volume.
• Ability to balance competitiveness and discipline: knows when to hold the line versus flex to win the right relationship.
• Strong communication skills; with a proven ability to communicate clearly and confidently with multiple senior-level stakeholders, aligning priorities and driving decisions across teams

• Consulting experience preferred, ideally in financial services, treasury, or transaction banking engagements, with strong structured problem-solving skills.

   

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