Join JPMorganChase Internal Audit—as part of the Commercial and Investment Banking (CIB) Business Audit Team in Mumbai, you’ll help strengthen the control environment across a world-leading CIB franchise spanning markets, securities services, and payments, partnering with integrated business and technology audit specialists across the globe.

Job Summary

As a Commercial and Investment Banking (CIB) Audit Associate based in Mumbai within the Payments Audit team, you will support and execute risk-based audits across Payments. You will participate in end-to-end audit delivery—planning, testing, control evaluation, and issue management—while maintaining strong, independent relationships with key stakeholders. You will collaborate closely with global Audit colleagues and business partners, apply sound judgment to enhance internal controls, and build a strong understanding of CIB functions, key controls, and the evolving regulatory landscape.

Job Responsibilities

• Participate in risk assessments to identify key operational and control risks within CIB Payments.
• Support audit planning by defining scope, objectives, and testing approach with senior auditors/audit managers.
• Execute audit testing, document workpapers, and validate evidence in line with audit methodology and standards.
• Evaluate control design and operating effectiveness; assess gaps against identified risks.
• Draft clear, well-supported audit issues, including root cause, risk impact, and recommended actions.
• Track audit deliverables to ensure assignments are completed on time and within budget.
• Partner with global Audit colleagues to ensure consistent coverage, quality, and alignment across locations.
• Identify emerging control issues early and escalate appropriately to Audit management and stakeholders.
• Perform issue follow-up, verify remediation, and support closure validation and reporting.
• Build and maintain effective relationships with business management and control partners while maintaining independence.
• Stay current on industry and regulatory changes impacting CIB Payments and demonstrate technical competency in discussions and deliverables.

Required qualifications, capabilities and skills

• Minimum 6 years of internal or external audit experience, or relevant business experience.
• Minimum Bachelor’s degree (or relevant financial services experience).
• Strong understanding of internal controls and ability to assess control adequacy against risks.
• Experience applying internal audit methodology across audit delivery and execution.
• Excellent written, verbal, and presentation skills; able to communicate complex/sensitive matters to senior management.
• Strong interpersonal and influencing skills; able to build credibility and partner effectively while driving control improvements.
• Strong analytical skills, including assessing likelihood and impact of control weaknesses.
• Proven ability to multitask, prioritize effectively, and deliver under time pressure.
• Ability to drive efficiency via automation using existing technical infrastructure; open to leveraging new technologies.
• Self-motivated, accountable, and comfortable taking ownership and initiative.
• Strong team orientation: collaborates, shares information, and supports colleagues.

Preferred qualifications, capabilities and skills

• Chartered Accountant (CA) or equivalent; Certified Internal Auditor (CIA); and/or advanced degree in Finance or Accounting.
• Relevant working experience in Commercial and Investment Banking businesses.