Payment Systems - Senior Technical Business Analyst

Affina Search; Greater London; Hybrid; GBP 60,000 - 100,000; Full time

Job summary

Join a leading fintech company on an exciting journey to revolutionize payment processing solutions. As a Senior Technical Business Analyst, you will leverage your extensive experience in payment systems to shape innovative treasury management solutions. Collaborating with clients, you will document requirements, design workflows, and integrate cutting-edge technologies to optimize cash management and risk operations. This role offers the chance to work in a dynamic environment, pushing the boundaries of payment technology while ensuring seamless transaction processes across global platforms. If you are passionate about fintech and eager to make a significant impact, this opportunity is for you.

Qualifications

• 7+ years in Payment Systems with deep understanding of formats and schemas.
• Expertise in payment processing components and integration.

Responsibilities

• Write detailed user stories and develop acceptance criteria for payment systems.
• Design payment workflows and specify transformation requirements.

Skills

Global payment systems expertise

Payment message formats understanding

Analytical skills

Problem-solving capabilities

Payment workflow design

Documentation skills

User story writing

Acceptance criteria mastery

Education

Bachelor's degree in relevant discipline

Payment systems certifications

SWIFT certifications

ISO 20022 certification

Tools

SWIFT MT message series

Fedwire and CHIPS formats

XML and JSON structures

Payment routing engines

Payment warehousing systems

Job description

Payment Systems - Senior Technical Business Analyst

Location: London, UK (Hybrid working available 1-2 days per week)

About Us: Our client is a leading fintech company specialising in treasury management software solutions. Their platform helps global organisations optimise their cash management, risk management, and treasury operations through cutting-edge technology and innovative solutions. They are on an ambitious journey to build the world's most advanced payment processing platform.

Role Overview: Senior Business Analyst role focusing on enterprise payment systems implementation, requiring expert knowledge of global payment formats, schemes, and processing components.

Key Technical Knowledge Required:

1. SWIFT MT message series (MT101, MT103, MT202 incl. ACK/NACK flows)
2. Fedwire and CHIPS formats, Regional ACH formats across different geographical regions
3. XML and JSON payment structures (API)
4. Cross-border payment requirements
5. High-Value Payment Systems (HVPS)
6. Message transformation services
7. Payment routing engines
8. Sanction screening integration
9. Payment warehousing systems
10. Format conversion services
11. Payment status tracking
12. Payment repair workflows
13. Return and recall processing
14. Duplicate checking services

Key Responsibilities:

Requirements Documentation:

1. Write detailed user stories following the Who/What/Why format to ensure clear business value
2. Develop comprehensive scenario-based acceptance criteria using Given/When/Then framework
3. Partner with clients to understand their treasury management challenges and translate these into detailed user stories and acceptance criteria
4. Create clear documentation that traces from business requirements through to technical implementation
5. Ensure all user stories are testable and aligned with business objectives

Payment Processing Design:

1. Specify format transformation requirements
2. Define payment routing rules
3. Payment Template creation and maintenance
4. Design payment repair workflows
5. Define payment status tracking requirements

Integration Requirements:

1. Payment gateway integration
2. Banking connectivity requirements
3. Sanction screening integration
4. Payment networks connectivity
5. Payment status messaging
6. Return/recall processing

Minimum Qualifications:

1. Minimum 7 years in Payment Systems
2. Deep understanding of payment formats and schemas
3. Experience with payment transformation systems
4. Knowledge of payment market infrastructures
5. Expertise in payment processing components
6. Strong background in payment integration

Required Skills:

1. Expert knowledge of global payment systems
2. Deep understanding of payment message formats
3. Strong analytical and problem-solving capabilities
4. Excellence in payment workflow design
5. Advanced documentation skills
6. Mastery of user story writing and acceptance criteria

Qualifications:

1. Bachelor's degree in relevant discipline
2. Payment systems certifications
3. SWIFT certifications advantageous
4. ISO 20022 certification beneficial

The role offers the opportunity to shape sophisticated payment processing solutions while working with cutting-edge payment technologies.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Analyst, Information Technology, and Finance

Industries: IT Services and IT Consulting and Financial Services