Business Analyst - ACH / Wire transfers / Payments
Full-time
Apptad Inc
Job Summary
We are seeking a Senior Business Analyst with strong experience in Payments , specifically SWIFT, ACH, and Wire Transfers . The candidate will work closely with business stakeholders, product teams, technology teams, and payment operations to analyze requirements and support payment transformation initiatives. Key Responsibilities
- Gather, analyze, and document business requirements for SWIFT, ACH, and Wire payment systems .
- Work with stakeholders to define business processes, functional requirements, and payment workflows.
- Analyze payment messages, transaction flows, and integration requirements.
- Create BRDs, FRDs, user stories, process flows, and acceptance criteria .
- Collaborate with technology teams on payment processing, interfaces, APIs, and system integrations.
- Support SWIFT messaging and payment standards , including payment formats and transaction mapping.
- Analyze ACH payment flows, including NACHA-related requirements , processing, exceptions, and reconciliation.
- Support wire-transfer requirements, payment validations, settlement, and exception handling.
- Conduct impact analysis for payment-system enhancements and regulatory changes.
- Coordinate with QA teams to develop test scenarios and validate business requirements.
- Participate in UAT, defect analysis, and production issue resolution.
- Work in Agile/Scrum environments and collaborate with Product Owners, Developers, QA, and business teams.
- 12 15+ years of experience as a Business Analyst in Banking/Financial Services.
- Strong hands-on experience with SWIFT, ACH, and Wire Transfers .
- Strong understanding of payment processing and transaction lifecycle .
- Experience with payment message formats, mappings, and integrations.
- Experience writing user stories, BRDs/FRDs, acceptance criteria, and process flows .
- Strong stakeholder management and communication skills.
- Experience with Agile/Scrum methodologies.
- Banking or financial-services experience is required.
- Experience with ISO 20022 and payment modernization initiatives.
- Knowledge of SWIFT MT/MX messages and ISO 20022 payment messages.
- Experience with cross-border payments, payment investigations, exceptions, and reconciliation.
- Experience working with large banking/payment platforms.
Vacancy posted 2 days ago
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