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Job Title: Senior Business Analyst - Payments Transformation (Wire Payments)
Location: Charlotte, NC or Newark, NJ (Hybrid)
Type: Contract
Role Overview:
Job Title: Senior Business Analyst - Payments Transformation (Wire Payments)
Location: Charlotte, NC or Newark, NJ (Hybrid)
Type: Contract
Role Overview:
- We are seeking a Senior Business Analyst with deep experience in wire payments to support a large-scale Payments Transformation program. This role will focus on modernizing wire processing capabilities across Fedwire, SWIFT, and CHIPS, working closely with product, operations, compliance, and engineering teams.
- The ideal candidate has worked hands-on with wire processing flows, understands US and cross-border wire requirements end to end, and can guide requirements and design for complex, regulated payment systems.
- Lead requirements definition for wire payments transformation initiatives.
- Provide subject matter expertise across Fedwire, SWIFT, and CHIPS.
- Analyze and document end-to-end wire processing flows, from initiation through settlement.
- Translate business and regulatory needs into functional and non-functional requirements.
- Partner with engineering and architecture teams to guide solution design and modernization.
- Support data mapping, message standards, and integration design.
- Identify operational, regulatory, and settlement risks and drive mitigation strategies.
- Support testing strategy, user acceptance testing (UAT), and implementation readiness.
- Candidates must have strong hands-on experience in wire payments, including:
- Fedwire Funds Service (US domestic wires)
- SWIFT (MT and/or ISO 20022 message flows)
- CHIPS payment processing and settlement concepts
- Wire initiation, validation, repair, and release processes
- Cut-off times, settlement windows, and liquidity considerations
- Investigations, recalls, amendments, and exceptions
- Sanctions screening, AML, and compliance controls related to wires
- Bachelor's degree or equivalent experience in Business, Finance, Information Systems, or a related field.
- Minimum of 5 years' professional experience as a Business Analyst or in a similar role supporting wire payments in the financial services industry.
- Demonstrated hands-on expertise in Fedwire, SWIFT, and CHIPS wire payment flows.
- Experience translating business and regulatory requirements into functional specifications.
- Strong documentation and analytical skills.
- Ability to work collaboratively with cross-functional teams.
- Excellent verbal and written communication skills.
- Must be located in the United States and able to work in a hybrid or on-site capacity as required.
- Experience supporting payments transformation or modernization projects.
- Knowledge of ISO 20022 migration and implementation.
- Familiarity with operational risk, settlement, and compliance in payment systems.
- Experience with data mapping, message standards, and payment integration