Business Analyst (Payments)

Role: Lead Technology Business Systems Consultant
Location: Metropark, NJ Charlotte, NC Chandler, AZ (Local only)

The Payments Technology team is seeking a Lead Business Technology Consultant with deep expertise in high-value wire payments and interbank networks. This role will drive technical analysis, workflow optimization, and solution design for large-scale payment transformation initiatives across Fedwire, CHIPS, and SWIFT.

• Lead complex business and technical analysis for payment system initiatives involving wire transfers, Fedwire, CHIPS, and SWIFT integrations.

• Collaborate with cross-functional teams to define requirements, map processes, and design solutions meeting operational, regulatory, and compliance standards.

• Analyze and document current vs. future state workflows; identify gaps and recommend enhancements for processing, settlement, and reconciliation.

• Act as the subject matter expert (SME) for ISO 20022 payment messages, validation rules, and exception handling.

• Support rollout of new payment platforms-migration planning, QA testing, parallel/shadow runs.

• Work closely with technology, operations, and business teams to resolve complex integration issues.

• Prepare detailed documentation: BRDs, functional specs, process flows, training materials.

• Contribute to payment modernization strategy and roadmap.

• 7+ years in payments technology, operations, or consulting with strong focus on high-value wires and interbank networks.

• Deep knowledge of Fedwire Funds Service, CHIPS, SWIFT, payment flows, message formats (ISO 20022), and operational processes.

• Strong experience with technical analysis and requirements gathering.

• Experience working in an Agile SDLC environment.