Work with product owners, business partners, and technology teams to gather, analyze, and document business requirements, process flows, and functional specifications
Translate business needs into clear, actionable user stories, acceptance criteria, and functional requirements for engineering teams
Assess impacts of new features, regulatory changes, and modernization initiatives on existing payment flows and system components
Participate in solution discussions with architects and engineers, ensuring requirements align with enterprise standards and system capabilities
Support testing efforts (system testing, UAT, regression), create test scenarios, validate outcomes, and facilitate defect triage
Collaborate cross‑functionally on changes related to payment processing, ISO 20022 readiness, routing logic, and application configuration
Analyze production issues, assist with root‑cause identification, and recommend improvements to workflows and operational processes
Support documentation updates, process improvements, release readiness activities, and user onboarding as needed
Partner with distributed teams across multiple time zones and help ensure clarity, alignment, and timely delivery

Requirements

4+ years of experience as a Business Analyst, Systems Analyst, or in a related role within technology or financial services
4+ years experience presenting to senior and executive management
Experience with payment systems such as ACH and/or Wires
Strong understanding of the global payments domain and clearing networks (FED, CHIPS, CHAPS, TARGET, SWIFT)
Experience participating in ISO 20022 implementation or migration projects
Strong knowledge of various payment message formats including: ISO 20022: PACS, PAIN, CAMT SWIFT MT series (MT1xx, MT2xx, MT9xx, as applicable)
Well versed with market directory files like SwiftDirectroty, BicdirectroyPlus files
Experience supporting NFR‑related validation such as resilience, RTO/RPO, or high‑availability testing
Ability to collaborate effectively in distributed and virtual team environments
Strong attention to detail, documentation skills, and experience managing multiple workstreams simultaneously
Understanding of ACI MTS concepts including routing rules, remote records, and line configurations (awareness‑level)
Experience translating business requirements into technical specifications or user stories
Strong analytical, problem‑solving, and communication skills
Understanding of microservices, middleware, messaging concepts (JMS, Kafka), and system integration fundamentals
Working knowledge of ACI UPF , including: Payment routing logic and message orchestration Endpoint & Bank Adapter concepts Processing rules, cartridges, and flow monitoring UPF Control Center dashboards and operational insights
Familiarity with ISO 20022 message structures and UPF 5.x flows

Benefits

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills

business analysisuser storiesacceptance criteriapayment systemsISO 20022payment message formatsNFR validationmicroservicessystem integrationACI UPF

Soft skills

collaborationattention to detaildocumentation skillsproblem-solvingcommunicationanalytical skillstime managementcross-functional teamworkpresentation skillsadaptability