Payments Business Analyst- Payment Modernization

VBeyond Corporation is seeking a highly experienced Payments Business Analyst to drive payment modernization initiatives within the Banking and Financial Services domain. The role involves requirements gathering, payment workflow analysis, and collaborating with various teams to implement modern payment platforms and payment hub solutions.

Responsibilities:

• Lead and support payment modernization initiatives for Wires, RTP Send/Receive, and FX payment processing
• Work closely with business stakeholders, product owners, architects, and development teams to define and document business and functional requirements
• Analyze current-state payment systems and define future-state payment workflows and customer journeys
• Create BRDs, FRDs, user stories, process flows, use cases, and gap analysis documentation
• Support implementation and integration of payment hub products such as Finastra, FIS, or Volante
• Collaborate with technical teams working on APIs, microservices, Kafka/MQ, and cloud-native payment solutions
• Work on end-to-end payment lifecycle flows including initiation, validation, compliance screening, settlement, and reconciliation
• Provide expertise on payment messaging standards including ISO 20022, MT100, MX, and FX wire formats
• Coordinate with compliance and risk teams to ensure adherence to AML, BSA, and US PATRIOT Act requirements
• Support integration discussions involving Actimize Exceed, Fircosoft, FRB, and TCH connectivity
• Participate in UAT planning, test case reviews, defect triage, and production validation activities
• Act as a liaison between business users and technical teams during modernization and migration programs
• Provide advisory support on payment operations, customer experience, and process optimization

Requirements:

• 10+ years of experience in Banking and Financial Services domain with strong focus on Payments
• Strong experience with Wires, RTP, FX payments, and end-to-end payment processing flows
• Hands-on experience with ISO 20022, MT100, MX messaging standards, and payment transformations
• Experience working on payment modernization or payment hub transformation programs
• Strong understanding of FRB and TCH connectivity and payment ecosystem
• Experience with AML and sanctions screening systems such as Actimize Exceed and Fircosoft
• Strong experience in requirement gathering, stakeholder management, business process mapping, and documentation
• Experience working in Agile/Scrum delivery environments
• Understanding of APIs, microservices, Kafka, MQ, and cloud-based payment architectures
• Exposure to payment hub platforms such as Finastra, FIS, or Volante is highly preferred
• Strong communication and client-facing skills with the ability to work with leadership and cross-functional teams
• Prior experience working in enterprise payment transformation programs
• Knowledge of payment compliance, AML regulations, BSA, and US PATRIOT Act
• Exposure to cloud technologies and API management platforms such as Mulesoft, Apigee, or AWS API Gateway
• Ability to work in fast-paced, highly regulated banking environments