Reference Data Specialist

This opportunity is suited to graduates who want to begin their career in financial services operations, reference data, transaction processing, and business process management. The position combines structured operational work with analytical review, issue resolution, client support, and opportunities to contribute to process improvement.

🎯 What The Role Covers

The Reference Data Specialist position sits within JPMorganChase's Commercial & Investment Bank and involves supporting operational processes that help ensure transactions are completed accurately and within required timelines.

The work is centered around reviewing assigned activities, managing transaction-related information, identifying exceptions, responding to inquiries, and maintaining a strong control mindset. Candidates should be comfortable working with detailed information where accuracy and completeness are important.

A typical assignment may involve reviewing operational records, identifying an exception, investigating the underlying issue, communicating with the relevant internal team, and ensuring that the required process is completed correctly.

Accuracy And Timely Processing Are Core Expectations

⚙️ Key Responsibilities

The successful candidate will be responsible for several operational activities associated with transaction processing and reference data management.

Key areas include:

• Executing assigned transaction-processing activities accurately and within required deadlines.

• Managing different aspects of transaction-related workflows.

• Reviewing work for completeness and identifying discrepancies or exceptions.

• Resolving operational exceptions and responding to client or internal inquiries.

• Providing process knowledge and subject matter support to internal stakeholders.

• Identifying operational issues and risks that could affect process performance.

• Supporting regulatory reporting and remediation activities when required.

• Contributing to process-improvement initiatives that can reduce manual effort.

• Participating in automation initiatives designed to strengthen operational controls.

• Managing assigned responsibilities independently with limited supervision.

The position therefore combines day-to-day operational execution with analytical review and continuous improvement.

🧠 Skills Recruiters May Evaluate

Candidates should demonstrate strong analytical ability and attention to detail. The role involves working with transaction information where incomplete or inaccurate processing can create operational issues.

Clear communication is equally important. Specialists may need to communicate with internal teams and clients to resolve questions, explain process-related information, or coordinate the resolution of exceptions.

The employer specifically highlights the importance of:

Analytical thinking: Reviewing information carefully and identifying inconsistencies.

Attention to detail: Checking work for accuracy and completeness.

Ownership: Taking responsibility for assigned processes and outcomes.

Communication: Presenting information clearly through written, verbal, and presentation-based communication.

Client focus: Maintaining professional and responsive working practices.

Collaboration: Working effectively with internal partners and influencing outcomes through day-to-day interactions.

💻 Tools And Workplace Technology

Strong general computer skills are expected for this position. Candidates should be comfortable working with common productivity tools used in corporate environments.

Microsoft Excel Microsoft Word PowerPoint Outlook

Excel is particularly relevant for candidates entering operations-focused roles because structured data review, reconciliation, tracking, reporting, and operational analysis are common activities across financial-services teams.

Candidates who already have experience with spreadsheets, formulas, filtering, sorting, data validation, and structured reporting can highlight those capabilities on their resumes where applicable.

The job description also mentions exposure to AI-enabled tools as a preferred qualification. Candidates should therefore be prepared to discuss how emerging technologies can support productivity, process improvement, and operational excellence without compromising controls.

🏦 Financial Services Exposure

An understanding of the financial-services industry, products, and processes is listed among the required capabilities.

Candidates do not necessarily need to present themselves as finance specialists. However, it is useful to understand basic concepts surrounding banking operations, transactions, reference data, controls, exceptions, reconciliation, reporting, and client servicing.

For example, if a transaction contains information that does not match expected operational records, an operations specialist may need to identify the exception, investigate the relevant information, communicate with the appropriate team, and ensure the issue is resolved within the required process.

This type of work places considerable importance on process discipline and data accuracy.

🔍 Exception Management And Risk Awareness

A significant part of the position involves identifying and resolving exceptions.

An exception can represent information or a transaction that does not meet an expected process condition. The specialist needs to examine the available information, determine what requires attention, and coordinate the appropriate resolution.

The role also expects employees to identify issues and risks that could impact process performance or the organization. This means the job is not limited to completing assigned tasks. Candidates are expected to recognize situations that may require additional investigation or escalation.

A strong approach is to understand the difference between simply processing an item and processing it with appropriate controls.

🤝 Collaboration And Client Support

Although this is an operations-focused position, communication forms an important part of the work.

The job description highlights client inquiries, internal partners, subject matter expertise, and collaboration. This indicates that employees may interact with multiple stakeholders while completing operational responsibilities.

Strong communication in this environment means being concise, accurate, professional, and clear about the status of an issue or transaction.

Candidates can strengthen their profiles by demonstrating examples of team collaboration, problem resolution, customer interaction, documentation, and handling responsibilities independently.

🤖 Process Improvement And Automation

One of the more technology-oriented aspects of the role is its focus on process improvement and automation.

Employees may contribute to initiatives intended to reduce repetitive manual work, improve controls, and increase operational efficiency. The preferred qualifications also mention AI-enabled tools and emerging technologies.

For candidates interested in technology, this creates an opportunity to connect traditional operations knowledge with modern automation practices.

Useful areas to understand include:

• Spreadsheet automation

• Data validation

• Workflow automation

• Basic process mapping

• Reporting automation

• AI-assisted productivity tools

• Operational controls

• Data-quality checks

The goal is not simply to automate a task, but to improve the process while maintaining accuracy and appropriate controls.

📊 What To Prepare Before Applying

Candidates preparing for this type of position should focus on both business operations and practical analytical skills.

A useful preparation path includes understanding basic financial-services terminology, improving Excel proficiency, practicing data interpretation, and developing structured approaches to problem solving.

Interview preparation should also cover behavioral situations involving:

• Handling an error or discrepancy

• Managing multiple deadlines

• Resolving a customer or stakeholder issue

• Working independently

• Identifying a process risk

• Improving a repetitive process

• Collaborating with another team

• Maintaining accuracy during high-volume work

Candidates should be able to explain their reasoning clearly rather than simply describing the final result.

📍 Workplace And Schedule Details

The position is based at Parcel 9, Embassy Tech Village, Outer Ring Road, Deverabeesanhalli Village, Varthur Hobli, Bengaluru, Karnataka 560103.

The position is listed as full-time and carries a variable work shift. Candidates should consider this shift requirement when evaluating the role, particularly because financial-services operations can support processes that operate across different business hours and locations.

The posting date is September 18, 2026, and the stated application deadline is September 23, 2026 at 9:30 AM.

🧭 Career Direction

Experience in transaction processing and reference data operations can provide exposure to several areas of financial-services organizations, including operations, banking processes, reference data, controls, reporting, client servicing, risk operations, and process improvement.

Employees who develop strong analytical, communication, process-management, and automation skills can build a broader understanding of how large financial institutions manage high-volume operational workflows.

For candidates interested in combining business operations with technology, learning advanced Excel, SQL, data-quality concepts, basic Python, automation concepts, and financial-services fundamentals can complement the responsibilities described in this position.

🔑 Keywords for Resume

Reference Data • Transaction Processing • Financial Services • Banking Operations • Operations Management • Exception Management • Client Support • Regulatory Reporting • Remediation • Process Improvement • Process Automation • Risk Awareness • Data Accuracy • Data Quality • Microsoft Excel • Microsoft Word • PowerPoint • Outlook • Analytical Skills • Problem Solving • Stakeholder Management • Communication • AI-Enabled Tools • Operational Controls • Commercial & Investment Banking

💡 Final Thoughts

This JPMorganChase opportunity focuses on reference data and transaction-processing operations, with additional exposure to exception management, reporting, controls, automation, and AI-enabled process improvement. Candidates should position their resumes around accuracy, analytical ability, communication, ownership, and practical computer skills rather than presenting the role as a purely technical position.