Business Expert with German - Payment Transactions (m/f/d)

Commerzbank Digital Technology Centre Poland; Łódź; Hybrid; PLN 120,000 - 160,000; Full time

Benefits offered by this job

Development plans

Life insurance

Flexible hours

Team integration events

Job summary

Commerzbank Digital Technology Centre Poland seeks a Business Expert for Cross-Border Payments to drive digitalization of payment processing. You will design SWIFT message flows, data mappings and integration concepts while aligning with regulatory and operational standards.

You will work with internal units, IT and external vendors in an agile environment, coordinating stakeholders and providing 3rd-level support across client segments including Private Customers, Corporate Clients and

Qualifications

• Good understanding of payment process chains and MT/MX formats.
• Strong knowledge of SWIFT network and services (FIN, FileAct, InterAct).
• Experience with message flows, routing and lifecycle processing.
• Ability to analyze, document business requirements and create specs.
• Proficiency in English and German; banking/financial services background.

Responsibilities

• Analyze issues between back-office systems and SWIFT infrastructure.
• Define functional/technical solutions including interface specs for SWIFT connectivity.
• Define functional test scenarios and support QA in test environments.
• Collaborate with teams to design effective solutions and resolve problems.
• Serve as a Scrum team expert for functional and business analysis of payment investigations.

Skills

SWIFT knowledge

Payment processing

Message flows

APIs & middleware

Data mapping

English & German

Banking & financial services

Job description

Join our team as a Business Expert! As a Business Expert for Cross-Border Payments, you will contribute to our vision of further digitalizing and optimizing payment processing while improving existing workflows for our internal customers through innovative technologies. In this role, you will have the opportunity to actively drive change and develop effective solutions within the cross-border payments domain. You will analyze and design message flows and system integrations, with a particular focus on ensuring seamless communication and data exchange between internal applications and SWIFT services. You will translate business and technical requirements into implementable solutions, including interface specifications, message mappings, and integration concepts. You will also help ensure that SWIFT messages are processed accurately, efficiently, and in line with regulatory and operational standards. Working closely with business units, IT teams, and external vendors, you will contribute to the stability, reliability, and continuous improvement of SWIFT-based payment processing. You will work with modern IT infrastructure and tools in an agile product development environment. In addition, you coordinate communication with key stakeholders and provide 3rd-level support for areas including Private Customers, Corporate Clients, Financial Institutions, and back-office units.

What will you be doing?

• Analyzing issues and requirements arising from the interaction between internal back-office systems and the SWIFT infrastructure.
• Analyzing business and technical requirements (as-is / to-be) and defining appropriate functional and technical solutions, including message flows, interface specifications, and integration concepts for SWIFT Connectivity.
• Defining functional test scenarios and quality assurance measures, as well as supporting testing activities in test environments.
• Analyzing problems and designing effective solutions in close collaboration with other teams.
• Acting as one of the experts within your Scrum team for functional and business analysis related to the application supporting payment investigations.

What is important to us?

• Good understanding of payment process chains and the message formats used, particularly MT and MX.
• Good knowledge of the SWIFT network and services, such as FIN, FileAct, and InterAct.
• Familiarity with message flows, routing, and payment lifecycle processing.
• Ability to analyze and understand complex system landscapes and interfaces between internal systems and the SWIFT infrastructure.
• Experience with message transformation, data mapping, and integration concepts.
• Understanding of APIs, middleware, and messaging technologies.
• Ability to gather, analyze, and document business requirements.
• Experience in designing functional solutions and IT concepts.
• Ability to translate business requirements into clear specifications and test scenarios.
• Experience in the banking or financial services industry.
• Proficiency in English and German.

How?

Hybrid on Ogrodowa 8 street (Łódź)

What we offer?

• Development Plans for employees, Life insurance, flexible working hours, integration events and much more