Payment BA

TechDigital Group; Cary (NC); On-site; USD 110,000 - 160,000; Full time

Job summary

TechDigital Group is seeking a senior Business Analyst with deep payments domain expertise to join our team in the United States. You will work with payments processing systems across initiation, orchestration, and settlement, translating business requirements into clear functional specifications for technology partners.

The ideal candidate has 10+ years in payments analysis, strong knowledge of SWIFT MT and ISO 20022 messaging, and experience with domestic and cross-border payment flows.

Qualifications

• 10+ years of business analysis experience in payments processing systems.
• Experience across initiation, orchestration, backend processing, and settlement.
• Strong knowledge of domestic and cross-border payment instruments.
• End-to-end payment workflows including validation, pricing, booking, and advising.
• Familiar with SWIFT MT, ISO 20022 XML for initiations, clearing & settlement.
• Understanding of CHIPS, FedWire, and Target2 clearing ecosystems.
• Proven ability to write clear business requirements and transform them into functional specs.

Skills

Payments processing

Payment life cycle

End-to-end workflows

SWIFT/ISO20022

Cross-border payments

BRD writing

JIRA stories

Requirements translation

Tools

Ruled out tools

Job description

• 10+ years of Relevant business analysis experience working with payments processing systems and products in a global banking.
• Work Experience in payment life cycles specifically exposure to Initiation, Orchestration, backend payment processing, integration systems, Clearing and Return processing.
• Strong functional knowledge of Payment Transaction instruments like Cross Border and domestic payments.
• Experience in end to end payment workflows, i.e. initiation, validations, core processing, pricing, booking, advising, Clearing and Exception flows.
• Working experience with payment standards and messaging formats Swift MT, ISO 20022 XML specifically Payment Initiations, Payment Clearing & Settlement, Cash Management messages across Swift CBPR+, CHIPS and FedWire infrastructures.
• Understanding of Clearing ecosystems such as CHIPS, FedWire, Target2.
• Hands on experience in writing business requirements, JIRA stories and epics.
• Ability to work closely with Business/Product & other stakeholders to understand Business requirements. Work with Technology and translate Business requirements to clear functional requirements