Product Owner/ BA with Payments

Overview

On Site
Depends on Experience
Contract - Independent
Contract - W2

Skills

RTP
ISO 20022

Job Details

Product Owner/ BA with Payments

- Charlotte, NC Onsite

We are looking for a skilled US Payments SME 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.
Primary Responsibilities
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 other 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.

Testing & Issue Resolution
Define and coordinate user acceptance testing (UAT) for payment system upgrades.
Work closely with QA teams to validate payment message formats such as pacs.008, pacs.004, and camt messages.
Monitor, track, and resolve defects and issues related to payment processing.

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.

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About Marici Solutions