Description

We are looking for an energetic and forward-thinking professional to join our newly created Open Banking Strategic Business Unit (SBU) as a Business Validation Associate. In this pivotal role, you will have the opportunity to design and implement new processes that drive operational excellence and robust risk management for a rapidly expanding, revenue-generating business. You will collaborate with senior leaders and cross-functional teams to uphold the highest standards of compliance, transparency, and client service.

As a Senior Associate, Business Validation within Open Banking, you will independently assess how we manage key risks related to product design, platform services, client requirements and third-party relationships - while supporting Chase's commitment to customer disclosure and contractual obligations. Your expertise will be essential in validating new product deployments, conducting independent reviews. By transforming risk insights into meaningful improvements and executing processes that support product development, you will help strengthen our Open Banking platform, safeguard customer interests, and foster a culture of accountability and continuous improvement as we shape the future of Open Banking at Chase.

The Chase Open Banking team is committed to empowering customers to share their financial data securely, safely, and transparently within the open banking ecosystem. Our mission is to deliver market-leading platforms that enable aggregators and direct connectors to securely access customer-permissioned data, while building out a two-sided business model that benefits both customers and commercial partners. We collaborate closely with partners across billing, invoicing, and are developing a self-service developer portal to streamline integration and access. We support our customers' ability to access their financial data and have full control and visibility in sharing it securely with the apps and companies they choose.

Job Responsibilities

• Support the development and implementation of strategic initiatives for the Open Banking team, including platform enhancements and new business models.
• Collaborate with cross-functional teams, including product, technology, compliance, risk to ensure alignment and successful delivery of open banking solutions.
• Contribute to the design and execution of processes for secure, customer-permissioned data sharing, ensuring compliance with regulatory requirements and industry best practices.
• Participate in market research and analysis to identify emerging trends, opportunities, and potential risks within the open banking ecosystem.
• Validate the effectiveness and resilience of our operations and processes, ensuring seamless service delivery for clients and customers.
• Oversee Chase's adherence to customer disclosure requirements, maintaining transparency and compliance across all Open Banking activities.
• Monitor client adherence to contractual obligations, including conducting independent reviews and supporting third-party risk management (TPRM) processes.
• Support validation processes for billing execution, ensuring accuracy, transparency, and alignment with contractual terms.
• Develop, implement, and maintain robust business controls to mitigate operational, regulatory, and reputational risks.
• Provide data-driven insights and recommendations to senior leadership, influencing strategic and operational decisions.

Required qualifications, capabilities, and skills

• 5+ years of experience in financial services, with a proven track record in operations, products, business validation, risk management, controls or audit.
• Bachelor's degree required
• Collaborative mindset with strong interpersonal skills
• Demonstrated ability to manage and execute operational strategies in a complex, matrixed environment within a technology-driven product organization.
• Exceptional organizational, multitasking, and prioritizing abilities
• High attention to detail; ability to work well under pressure in a fast-paced environment
• Strong culture carrier and teamwork spirit
• Good understanding of Open Banking, data access, and related regulatory and industry frameworks.
• Experience in client and contract management, including independent review and third-party risk management.
• Proven ability to drive compliance with customer disclosures and contractual obligations.
• Strong communication, negotiation, and conflict resolution skills.

Preferred qualifications, capabilities, and skills

• Experience with Agile methodologies and innovation in financial services is preferred.

Note: This role requires five days in the office (Mon-Fri) and will not support Hybrid options. Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.

About Us

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.