Business Analyst - Payments

Finzly; Charlotte (NC); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Full Benefits Package: medical, dental, and vision coverage with HSA options

Healthcare FSA and Dependent Care FSA

Company-paid Life Insurance

Company-paid Long-Term Disability

Paid Holidays and Generous Paid Time Off

Retirement Savings Plan

Short Term Disability, Critical Illness, and Accident Insurance

Wellness Programs, including Employee Assistance Program

Job summary

Finzly, headquartered in Charlotte, NC, seeks a skilled Payments Business Analyst to enhance its team. This role is essential for developing fintech solutions and executing high-impact projects.

Candidates should have over 10 years of experience in banking or payments, with a deep understanding of various payment processing methods including ACH, Fedwire, RTP, and SWIFT. Join us for a fulfilling career at one of the best workplaces!

Qualifications

• 10+ years of Business Analyst experience in Banking or Payments.
• Strong understanding of ACH, Fedwire, RTP, FedNow, and SWIFT payment processing.
• Knowledge of ISO 20022 payment messaging.
• Experience writing user stories, BRDs, FRDs, and acceptance criteria.
• Experience with Agile/Scrum methodologies.
• Familiarity with JIRA and Confluence.
• Excellent communication and stakeholder management skills.

Responsibilities

• Gather, analyze, and document business and functional requirements.
• Create BRDs, FRDs, user stories, process flows, and acceptance criteria.
• Work with banks and internal stakeholders to understand payment processing needs.
• Support implementation of payment products across ACH, Fedwire, RTP, FedNow, and SWIFT.
• Participate in backlog grooming, sprint planning, and requirement walkthroughs.
• Collaborate with development and QA teams throughout the SDLC.
• Support UAT, production issue analysis, and client escalations.
• Conduct gap analysis and recommend product enhancements.
• Ensure solutions comply with industry standards and payment regulations.

Skills

Business Analyst experience in Banking or Payments

Understanding of ACH, Fedwire, RTP, FedNow, and SWIFT payment processing

Knowledge of ISO 20022 payment messaging

Experience writing user stories, BRDs, FRDs

Experience with Agile/Scrum methodologies

Familiarity with JIRA and Confluence

Excellent communication and stakeholder management skills

Job description

Headquartered in Charlotte, NC, and founded in 2012 by visionary minds shaping the future of banking and payments in the US,Finzly makes bank transformation radically simple.Our core-independent platform is trusted by some of the market’s leading financial institutions to transform operations and launch new products and services at speed.

We’ve been recognized with 20+ industry awards—including three years in a row as one of the Best and Brightest Places to Work—as well as accolades for Best Parallel Core Technology, Best Corporate Payments Solution, Best Payments-as-a-Service Provider, and Best Trading System. Quite simply, Finzly is known for being the best in everything we do, giving you the perfect opportunity to grow your career with impact.

We are seeking a passionate and driven Payments Business Analyst to join our growing team. This role offers the opportunity to work on cutting-edge fintech solutions, contribute to high-impact projects, and collaborate with talented professionals across the organization.

Key Responsibilities

• Gather, analyze, and document business and functional requirements.
• Create BRDs, FRDs, user stories, process flows, and acceptance criteria.
• Work with banks and internal stakeholders to understand payment processing needs.
• Support implementation of payment products across ACH, Fedwire, RTP, FedNow, and SWIFT.
• Participate in backlog grooming, sprint planning, and requirement walkthroughs.
• Collaborate with development and QA teams throughout the SDLC.
• Support UAT, production issue analysis, and client escalations.
• Conduct gap analysis and recommend product enhancements.
• Ensure solutions comply with industry standards and payment regulations.

Required Qualifications

• 10 +years of Business Analyst experience in Banking or Payments.
• Strong understanding of ACH, Fedwire, RTP, FedNow, and SWIFT payment processing.
• Knowledge of ISO 20022 payment messaging.
• Experience writing user stories, BRDs, FRDs, and acceptance criteria.
• Experience with Agile/Scrum methodologies.
• Familiarity with JIRA and Confluence.
• Excellent communication and stakeholder management skills.

Preferred Qualifications

• Experience with payment hubs or payment modernization platforms.
• Knowledge of compliance, sanctions screening, OFAC, AML, and fraud controls.
• Experience with APIs, payment integrations, and file-based payment processing.
• Exposure to banking products and treasury management systems.

What We Offer:

• Full Benefits Package: medical, dental, and vision coverage with HSA options!
• Healthcare FSA and Dependent Care FS
• Company-paid Life Insurance
• Company-paid Long-Term Disability
• Paid Holidays and Generous Paid Time Off
• Retirement Savings Plan
• Short Term Disability, Critical Illness, and Accident Insurance
• Wellness Programs, including Employee Assistance Program