Payments Business Analyst

UNISON Group; Singapore; On-site; SGD 140,000 - 180,000; Full time

Job summary

UNISON Group is seeking a Payments Business Analyst with 12+ years of experience, including 8+ years in banking payments. The role focuses on integrating domestic and cross-border payment architectures, ensuring data consistency across platforms, and driving regulatory compliance through AML data handling.

The candidate will harmonize data models, trace complex payment trails, and support reconciliation across large datasets.

Qualifications

• 12+ years of experience, including 8+ years in banking payments.
• Harmonizing payment classifications and data models across payments, product and channel data.
• Tracing multi-leg payments end to end, including counterparty stitching.
• Reconciliation and exception reporting across large transaction datasets.
• Source-to-target mappings and strong SQL capabilities.

Responsibilities

• Running workshops with payments operations and product teams.
• Leading SIT and UAT through to business sign-off.

Skills

Payments rails

SWIFT/ISO20022

AML data

SQL

Data modeling

Education

CBAP

CAMS

ISO 20022 Certification

Tools

Volante

ACI

Finastra

FIS

Job description

We are looking for Payments Business Analyst with 12+ years, including 8+ years on banking payments.

Must-have skills

Banking and domain

• Singapore payment rails: FAST, PayNow, GIRO and MEPS+.
• SWIFT MT (103, 202, 202COV) and ISO 20022 MX (pacs.008, pacs.009, pain.001, camt); correspondent banking and nostro/vostro.
• Payment archetypes: domestic and cross-border, single and bulk, real-time and batch, cross-currency, inward and outward, and internal transfers.
• Payments data for AML: originator and beneficiary data, wire transfer rules and sanctions screening.

Business and data analysis

• Harmonizing payment classifications and data models across payments, product (CASA, loans, cards, deposits) and channel data.
• Tracing multi-leg payments end to end, including counterparty stitching.
• Reconciliation and exception reporting across large transaction tables.
• Source-to-target mappings and strong SQL.

Delivery and communication

• Running workshops with payments operations and product teams.
• Leading SIT and UAT through to business sign-off.

Good-to-have skills

• Payments hubs such as Volante, ACI, Finastra or FIS.
• ISO 20022 migration experience.
• Regional real-time payment schemes.

Certifications (preferred):

SWIFT or ISO 20022; CBAP; CAMS.