Pay It Forward: A Podcast by J.P. Morgan Payments

In this episode of Pay It Forward, Ronan Brady, VP, EMEA Legal Entity Outsourcing Governance and Oversight Team at J.P. Morgan Payments, sits down with Michael Fox, Head of Payments Ireland, and Mark Bennett, a J.P. Morgan Payments Finance and Business Management Apprentice, to talk about our apprenticeship program and the people whose careers it has helped shape.

What started in Luxembourg, in partnership with a local university, has grown into an industry-wide program that now spans multiple countries. Along the way, it has welcomed people from all kinds of backgrounds into Payments, creating new role models and opening up a path many might not have thought possible. Michael and Mark share their own stories — where they started, what the program has meant to them, and why one good opportunity can change everything.

Disclaimer: The views and opinions expressed herein are those of the authors and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such. Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation.© 2025 JPMorgan Chase & Co. All Rights Reserved.

https://www.jpmorganchase.com/ir/annual-report/2025/ar-ceo-letters

Expansion and change are the constants in global business. Great treasury turns them into an advantage. In this episode, Bethany May, U.S. Lead for Payments Industry Advocacy, sits down with Lori Schwartz, Global Head of Treasury Services at J.P. Morgan Payments, to talk about what it really takes to support multinational clients through growth and change: entering new markets like the United Arab Emirates (UAE), taming multi-currency complexity and keeping control as the world demands ever-faster payments.

Their conversation covers the rise of free trade zones as launching pads for corporate treasury centers, how APIs and automation are moving technology upstream and client stories spanning programmable payments and real-time liquidity. Along the way, Lori shares her cardinal rule of payments (never shall a payment fail due to lack of funding) and her advice for staying ahead: stay interested, stay humble.

Disclaimer: The views and opinions expressed herein are those of the authors and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such. Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation.© 2025 JPMorgan Chase & Co. All Rights Reserved.

https://www.jpmorganchase.com/ir/annual-report/2025/ar-ceo-letters

What’s the best way to learn AI? Just build something.

In this episode of the Pay It Forward Podcast, host Bria Bell, Vice President on the Payments Communications Team, sits down with Zack Anderson, Chief Data & Analytics Officer for Payments and Global Banking, and Alejandra Villagra, Head of Digital & Design, to discuss how experimentation has shaped their approach to AI.

Recorded at the March 2026 Global Town Hall, they share personal stories, including building a custom learning app for Zack’s four-year-old son, debugging products through chat, and creating an app that picks Alejandra’s outfit each morning. Together, they argue that personal exploration is the fastest path to professional impact and encourage colleagues to revisit tools they may have dismissed months ago. They also discuss how these lessons are being applied across the business to simplify client experiences and help shape the future of digital payments.

Disclaimer: The views and opinions expressed herein are those of the authors and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such. Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation.© 2025 JPMorgan Chase & Co. All Rights Reserved.

https://www.jpmorganchase.com/ir/annual-report/2025/ar-ceo-letters

Explore what it really means to embrace AI in the workplace with Sri Shivananda, Chief Information Officer, and Tony Wimmer, Head of Data and Analytics at J.P. Morgan Payments, in conversation with host Bria Bell, Vice President, Communications. Recorded at the March 2026 Global Town Hall, Sri and Tony reflect on navigating AI uncertainty, reframing anxiety as a signal to act, and building the habits and skills that turn disruption into transformation. Tony shares a simple but powerful analogy — learning AI is like learning to drive — and walks through the practical steps anyone can take to get started, regardless of technical background.

Disclaimer: The views and opinions expressed herein are those of the authors and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such. Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation.© 2025 JPMorgan Chase & Co. All Rights Reserved.

https://www.jpmorganchase.com/ir/annual-report/2025/ar-ceo-letters

Explore the big picture behind Kinexys with Kara Kennedy, Global Head of Kinexys Market Development, as she shares why on-chain finance is moving from experimental to foundational and why this moment represents a true inflection point for scale across the financial industry.

In conversation with Stephanie Lok, Product Lead on Kinexys Digital Assets, Kara reflects on balancing speed with execution, fostering teams that embrace learning and adaptability, and building trusted, next-generation financial infrastructure.

She also shares lessons from her leadership journey, the principles guiding her decision-making, and the mindset required to navigate one of the fastest-moving spaces in finance and technology.

Disclaimer: The views and opinions expressed herein are those of the author and do not necessarily reflect the views of J.P. Morgan, its affiliates, or its employees. The information set forth herein has been obtained or derived from sources believed to be reliable. Neither the author nor J.P. Morgan makes any representations or warranties as to the information’s accuracy or completeness. The information contained herein has been provided solely for informational purposes and does not constitute an offer, solicitation, advice or recommendation, to make any investment decisions or purchase any financial instruments, and may not be construed as such. Any mentions of third-party trademarks, brand names, products and services are for referential purposes only and any mention thereof is not meant to imply any sponsorship, endorsement, or affiliation.© 2025 JPMorgan Chase & Co. All Rights Reserved.

https://www.jpmorganchase.com/ir/annual-report/2025/ar-ceo-letters