Operations Analyst, AU Payments Servicing

ANZ; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

ANZ in Bengaluru is seeking an Ops Analyst for Payments Investigation to ensure accuracy, integrity and timely resolution of financial transactions by identifying discrepancies and fraud across payment systems. You will analyze payment data, liaise with internal teams and external partners, and ensure compliance with regulatory standards while supporting continuous improvement and automation.

Role requires strong investigative and analytical skills, familiarity with payment networks, AML/KYC,

Qualifications

• Bachelor's degree in Finance, Business Administration, Accounting, Economics, or related field.
• Strong knowledge of payment networks and end-to-end payment flows.
• Experience investigating payment discrepancies and managing escalations.
• Understanding AML/KYC, OFAC, and data privacy requirements.
• Excellent analytical, problem-solving, and stakeholder management skills.

Responsibilities

• Investigate and resolve failed, delayed, or high-value payments within service levels.
• Analyze payment data to identify root causes and document findings.
• Manage complex payment exceptions and escalations with internal and external partners.
• Ensure investigations comply with regulatory and audit requirements.
• Monitor trends and perform root-cause analyses to improve performance.
• Mentor team members and promote best practices.
• Identify process gaps and contribute to automation and efficiency initiatives.

Skills

Payment networks

Regulatory & compliance knowledge

Investigating payment discrepancies

Analytical thinking

Stakeholder management

Attention to detail

Communication skills

Education

Bachelor's degree in Finance / Business / Accounting / Economics

Tools

SAP

Oracle

Microsoft Excel

Job description

Job Summary

The role of an Ops Analyst for Payments Investigation Analyst exists to ensure the accuracy, integrity, and timely resolution of financial transactions by identifying and resolving discrepancies, errors, or fraud across payment systems. The scope includes analyzing payment data, liaising with internal teams and external partners, and maintaining compliance with regulatory standards.

Banking is changing and we're changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you're building your future, while helping to build ours.

Role Type: Permanent
Role Location: Bengaluru
Work Schedule: Early Morning Shift (4 AM Login)

Responsibilities

• Investigating and resolving failed, delayed, misrouted, and high-value payment transactions within agreed service levels, ensuring minimal business impact.
• Analysing payment data to identify the root causes of discrepancies, documenting findings, and implementing effective resolutions.
• Managing complex payment exceptions and escalations, while collaborating with internal teams, banks, clients, and external stakeholders to ensure timely resolution.
• Ensuring all investigations and resolutions comply with regulatory, compliance, and audit requirements, while maintaining accurate and detailed records.
• Monitoring trends in payment-related issues, conducting root cause analyses, and recommending corrective actions to improve operational performance.
• Supporting and mentoring team members by reviewing case quality, sharing knowledge, and promoting best practices across the function.
• Identifying process gaps and opportunities for automation, operational efficiency, and continuous improvement, and contributing to initiatives that enhance service delivery and performance.

Requirements

• Strong knowledge of payment networks such as SWIFT, ACH, RTGS, and NEFT, along with a solid understanding of end-to-end payment flows and transaction processing.
• A good understanding of regulatory and compliance requirements, including AML, KYC, OFAC, and data privacy standards.
• Proven experience in investigating payment discrepancies, resolving exceptions, and managing escalations, supported by strong analytical and problem-solving skills.
• Excellent attention to detail, with the ability to accurately review and analyse transaction records, documentation, and system data.
• Strong communication and stakeholder management skills, with the ability to collaborate effectively across Operations, Finance, Compliance, Technology teams, and external partners.
• Proficiency in Microsoft Excel, payment tracking tools, case management systems, and transaction processing platforms such as SAP, Oracle, or similar applications.
• A Bachelor s degree in Finance, Business Administration, Accounting, Economics, or a related field.

You're not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we'd love to hear from you.