Business Analyst with Payments domain (Fedwire, SWIFT, RTP, and ISO 20022 payment processing)

Our challenge

We are hiring Business Analyst with Payments background to join our fast-paced team.The ideal candidate will bring deep expertise in banking and financial systems, with hands-on experience in payment rails including Wire Transfers (Fedwire & SWIFT), RTP, ISO 20022, and related payment processes.This role is essential in driving requirement gathering, process improvement, system testing coordination, and product ownership to support payment operations, regulatory compliance, and digital transformation initiatives.

Additional Information*

The base salary for this position will vary based on geography and other factors. In accordance with law, the base salary for this role if filled within Charlotte, NC is $110K - $115K/year & benefits

The Role

Responsibilities:

Payment Business Analysis & Delivery

• Gather, analyze, and document business requirements for Fedwire, SWIFT, RTP, and ISO 20022 payment processing.
• Develop use cases, functional specifications, and user stories for payment system enhancements.
• Partner with Product Owners, Developers, QA, and Operations to deliver effective payment solutions.
• Map legacy payment formats to ISO 20022 message structures for Fedwire Funds Service and international payments.

Process Optimization & Regulatory Compliance

• Identify and implement automation and process improvements in Wire and Real-Time Payments workflows.
• Ensure adherence to all relevant regulatory and network standards, including Fedwire guidelines and the FinCEN Travel Rule.
• Support fraud prevention, risk management, and AML compliance within payment operations.

Cross-Functional Collaboration & Reporting

• Serve as the primary bridge between business teams and technical teams to align on payment priorities.
• Produce comprehensive dashboards and reports on payment volumes, operational efficiency, and compliance metrics.
• Develop and deliver training materials and user guides for payment system features.

Requirement:

Technical & Domain Expertise

• Minimum 5 years of experience as a Business Analyst in US payments (Wire Transfers, RTP, SWIFT, ISO 20022).
• Strong understanding of Fedwire, RTP processing, and ISO 20022 payment standards.
• Proficient in SWIFT MT and MX message formats.
• Experience with payment system integrations, APIs, and core banking platforms.

Business Analysis & Project Management

• Proficient in requirement documentation (BRD, FRD, User Stories) and Agile/Scrum methodologies.
• Experience using JIRA, Confluence, and defect management tools.
• Strong analytical skills with experience in UAT coordination, SQL, Excel, and BI reporting tools.

Regulatory & Compliance Knowledge

• Familiar with Fedwire processing standards, FinCEN Travel Rule, OFAC screening, AML, fraud detection, and related compliance controls.

We offer:

• A highly competitive compensation and benefits package.
• A multinational organization with 60 offices in 20 countries and the possibility to work abroad.
• 10 days of paid annual leave (plus sick leave and national holidays).
• Maternity & paternity leave plans.
• A comprehensive insurance plan including medical, dental, vision, life insurance, and long-/short-term disability (plans vary by region).
• Retirement savings plans.
• A higher education certification policy.
• Commuter benefits (varies by region).
• Extensive training opportunities, focused on skills, substantive knowledge, and personal development.
• On-demand Udemy for Business for all Synechron employees with free access to more than 5000 curated courses.
• Coaching opportunities with experienced colleagues from our Financial Innovation Labs (FinLabs) and Center of Excellences (CoE) groups.
• Cutting edge projects at the world s leading tier-one banks, financial institutions and insurance firms.
• A flat and approachable organization.
• A truly diverse, fun-loving, and global work culture.

SYNECHRON S DIVERSITY & INCLUSION STATEMENT

Diversity & Inclusion are fundamental to our culture, and Synechron is proud to be an equal opportunity workplace and is an affirmative action employer. Our Diversity, Equity, and Inclusion (DEI) initiative Same Difference is committed to fostering an inclusive culture promoting equality, diversity and an environment that is respectful to all. We strongly believe that a diverse workforce helps build stronger, successful businesses as a global company. We encourage applicants from across diverse backgrounds, race, ethnicities, religion, age, marital status, gender, sexual orientations, or disabilities to apply. We empower our global workforce by offering flexible workplace arrangements, mentoring, internal mobility, learning and development programs, and more.

All employment decisions at Synechron are based on business needs, job requirements and individual qualifications, without regard to the applicant s gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law.