Payments Solutions Analyst - Core Banking & ISO 20022

Tata Consultancy Services; New Castle (DE); On-site; USD 90,000 - 130,000; Full time

Job summary

Tata Consultancy Services in the United States is seeking a Payments Business Analyst with deep domain expertise across payments processing, clearing and settlement, and digital payments ecosystems. The candidate will act as a bridge between business stakeholders and technology teams, driving requirements, solution design, and delivery across payment platforms.

The role requires documenting BRDs/FRDs, translating requirements into user stories, and performing gap analyses between current and

Qualifications

• Gather, analyze, and document business requirements for payments initiatives.
• Translate business needs into clear functional specifications and user stories.
• Create BRDs, FRDs, use cases, process flows, and functional specs.
• Understand end-to-end payment lifecycle: Initiation, Validation, Clearing, Settlement, Reconciliation.
• Knowledge of ISO 20022 and SWIFT messaging (MT/MX).
• Experience with payments hubs / core banking systems.

Responsibilities

• Bridge between business stakeholders and technology teams to drive requirements, solution design, and delivery across payment platforms.
• Deliver across key payments areas: Wire Payments, ACH/SEPA, RTP, and Cards/Merchant Payments.
• Document BRDs, FRDs, use cases, and process flows; perform gap analyses between current and proposed systems.

Skills

Payments domain

Requirements gathering

BRD/FRD creation

User stories

Gap analysis

Functional specs

End-to-end payments lifecycle

ISO 20022

SWIFT MT/MX

Real-Time Payments (RTP)

Cards & Merchant Payments

Wire Payments (SWIFT, Fedwire, CHAPS)

Job description

Tata Consultancy Services in the United States is seeking a Payments Business Analyst with deep domain expertise across payments processing, clearing and settlement, and digital payments ecosystems. The candidate will act as a bridge between business stakeholders and technology teams, driving requirements, solution design, and delivery across payment platforms.

The role requires documenting BRDs/FRDs, translating requirements into user stories, and performing gap analyses between current and