Megan Mountain
Executive Director - Pay by Bank
JPMorganChase
Biography
Megan Mountain is a seasoned payments industry leader with over 16 years of direct experience in ACH, though she has been embedded in the payments industry for 20 years. She began her career at Citi and spent nearly a decade at Paya (now Nuvei), advancing through roles in support, implementations, and product management. Recognized for her deep expertise in ACH processing and merchant services, Megan was recruited by JPMorgan to help launch the Pay by Bank (PBB) product in the U.S. After successfully bringing PBB to market, she transitioned to JPMorgan’s Global Product Management Team, where she continues to drive innovation and standardization. Megan’s career trajectory is defined by resilience and leadership. In 2012, she stepped away from the workforce for four years to serve as a full-time caregiver for her husband, a catastrophically wounded Army veteran. During that time, she remained engaged in the payments industry, staying informed on advancements and maintaining professional relationships. Upon reentering the workforce, she returned to Nuvei and quickly advanced into leadership, driving major industry innovations. Among many accolades, Megan has been honored in PaymentsSource’s Most Influential Women in Payments NEXT list and was selected for the Money20/20 RiseUp cohort. Passionate about mentorship and inclusion, she actively supports women in payments through her leadership in PayTech Women, where she serves on the President’s Advisory Council. With a career marked by strategic impact, product innovation, and industry advocacy, Megan remains committed to advancing account-to-account solutions and championing the next generation of payment leaders.
How is the nominee propelling the industry forward?
Megan Mountain is driving the evolution of ACH and Pay by Bank (PBB) solutions, leveraging her deep expertise to accelerate adoption, innovation, and standardization. At JPMorgan, she played a pivotal role in launching the U.S. PBB product, delivering a seamless, secure, and scalable solution that empowers clients and consumers. Passionate about modernizing the account linking experience, Megan ensures PBB offers a frictionless, intuitive approach while preserving the optionality of a traditional manual entry option with account validation—prioritizing consumer choice while maintaining security and compliance. By enhancing the user journey and making ACH payments more accessible, she is positioning ACH as a preferred consumer payment method—helping clients reduce card processing costs while expanding payment options, creating a true win-win for all stakeholders. Beyond her corporate contributions, Megan collaborates with industry stakeholders to align PBB with global standards, ensuring interoperability and efficiency. A strategic problem-solver, she translates complex industry challenges into streamlined solutions, bridging the gap between technology and real-world payment needs to drive broader adoption. Megan is also a dedicated advocate for mentorship and industry inclusion. As both a former participant and mentor for the Electronic Transactions Association’s Young Payments Professionals Program, she is committed to fostering the next generation of payments leaders. Through her leadership in PayTech Women and Women in Technology, she actively mentors emerging talent, championing innovation and diversity. Recognized by PaymentsSource and Money 20/20 for her contributions, Megan continues to shape the future of ACH and open banking, driving industry progress through product development, advocacy, and leadership.
Where do you see the nominee succeeding in the future?
Megan Mountain’s future success lies in her continued leadership in reshaping the perception and adoption of ACH within the broader payments ecosystem. Historically, ACH has been viewed as a payment method reserved for a subset of low-risk, traditional verticals. However, with the advancement of Pay by Bank (PBB), ACH now has the potential to become the shining star of payments: an efficient, secure, and preferred method across all industries. This is what excites Megan most about the future of ACH, and she is committed to ensuring its growth and adoption. As an Executive Director on JPMorgan’s Global Product Management Team, Megan is driving the evolution of standardized, scalable account-to-account payments both in the U.S. and internationally. She plans to leverage her deep industry connections to cross-pollinate knowledge across various industry groups, educating and elevating Pay by Bank as a leading alternative to traditional card payments. Beyond product innovation, Megan will continue to advocate for industry collaboration, fostering alignment between financial institutions, merchants, and regulators to advance ACH modernization efforts. She is committed to enhancing interoperability, optimizing the user experience, and ensuring Pay by Bank’s success as a mainstream, consumer-friendly payment method. Ultimately, Megan’s trajectory is one of transformation: elevating ACH, driving broader adoption of Pay by Bank, and shaping the future of payments through education, advocacy, and leadership. She will continue to be a key voice in defining the next era of financial technology.