Payments Business Analyst (SWIFT / Fedwire / ISO 20022)

Kaizen Soft Solutions, LLC is seeking a Payments Business Analyst with deep expertise in SWIFT, Fedwire, and ISO 20022 to support critical payment transformation initiatives. The role involves acting as a Subject Matter Expert and collaborating with various teams to ensure compliance and improve payment workflows.

Responsibilities:

• Act as a Payments Subject Matter Expert (SME) with hands-on experience in SWIFT, Fedwire Funds Service, and ISO 20022 processing
• Analyze and map SWIFT MT to ISO 20022 MX messages for Fedwire and cross-border payments
• Develop use cases, BRDs/FRDs, functional specifications, and user stories
• Collaborate with Product Owners, Developers, QA, and Operations teams for successful delivery
• Ensure compliance with Fedwire guidelines, FinCEN Travel Rule, and regulatory standards
• Support fraud prevention, AML, and risk management initiatives
• Identify and implement automation and process improvements in wire payment workflows
• Work on payment system integrations, APIs, and core banking platforms

Requirements:

• Strong experience as a Business Analyst in Payments Transformation programs
• Expertise in SWIFT MT & ISO 20022 MX message formats
• Hands-on experience with: pacs.008, pacs.004, camt messages
• Experience with Fedwire Funds Service and enterprise payment systems
• Strong understanding of payment regulations and compliance frameworks
• Experience working in Agile / SDLC environments
• Knowledge of ACH (NACHA rules)
• Experience with FedNow / RTP (Real-Time Payments)
• Exposure to GenAI tools for productivity enhancement