Payment SME Payment Modernization

Job Title: Payment SME Payment Modernization

Location: Edison, NJ or Charlotte, NC
Work Model: Hybrid Minimum 3 days onsite per week

Job Description:
We are seeking an experienced Payment Subject Matter Expert (SME) to lead strategic initiatives for a large-scale payment modernization program. The ideal candidate will have deep expertise in wire payments, Fedwire, CHIPS, SWIFT, and ISO 20022, along with strong business and technical analysis skills.

This role involves close collaboration with business, operations, and technology teams to design, implement, and migrate modern payment platforms while ensuring regulatory and operational compliance.

Key Responsibilities:

• Lead strategic planning and roadmap development for payment modernization initiatives

• Perform complex business and technical analysis for payment systems

• Drive initiatives involving Fedwire, CHIPS, and SWIFT integrations

• Collaborate with cross-functional teams to define requirements and design compliant solutions

• Interface with senior business and technology stakeholders on execution planning, development, integrations, and cutover support

• Analyze and document current-state and future-state payment workflows

• Identify gaps and recommend improvements in payment processing, settlement, and reconciliation

• Serve as SME for ISO 20022 message formats, validation rules, and exception handling

• Lead platform rollouts, upgrades, migration planning, QA testing, and parallel/shadow runs

• Resolve complex issues through coordination with technology, operations, and business teams

• Prepare detailed documentation including BRDs, functional specs, process maps, and training materials

Required Skills & Experience:

• Strong hands-on experience in payment systems and modernization initiatives

• Deep knowledge of wire payments, Fedwire, CHIPS, and SWIFT

• Expertise in ISO 20022 standards

• Experience working in Agile SDLC environments

• Strong business analysis, technical analysis, and stakeholder management skills

• Excellent communication and documentation abilities

Preferred Location:
Candidates must be able to work onsite in Edison, NJ or Charlotte, NC at least 3 days per week.