Real Time Payments Lead Solutions Analyst

Lead the forefront of innovative solutions analysis in a dynamic tech environment driving success through expertise in data analytics and technical program delivery.

As a Lead Solutions Analyst in Commercial & Investment Bank you will play a central role in driving the success of our technical program delivery. Your deep understanding of applications platforms and products will position you as a key bridge between product owners business operations and software developers. Utilizing advanced analytical reasoning and technical fluency you will translate complex business requirements into well-structured and technically feasible solutions. You will make data-informed decisions and provide strategic insights to support key business initiatives. As a technical subject matter expert youll navigate ambiguity manage change effectively and communicate compellingly with diverse stakeholder audiences to ensure the highest quality and professionalism in service delivery.

Job responsibilities

• Elicit analyze and document end-to-end payment requirements by partnering with product owners business operations architecture and engineering to ensure functional clarity feasibility and delivery readiness
• Translate complex product and operational needs into structured solution requirements including business process sequences lifecycle state transitions business error handling and non-functional constraints
• Define system capabilities (the What) and acceptance outcomes with Product and Operations partners including expected controls decisions (pass/hold/reject/recheck) and exception-routing behavior
• Perform data-flow and impact analysis across intake capture qualification controls settlement and clearing connectors to identify gaps dependencies and migration risks
• Produce high-quality artifacts such as process maps source-to-target mappings business rules data dictionaries API/field requirements and traceable acceptance criteria
• Lead requirement governance through backlog refinement story decomposition and prioritization with clear rationale (reuse vs new capability config vs code)
• Collaborate with cross-functional teams to maintain standards policies and governance aligned to controls compliance resiliency and operational support
• Support test strategy by defining business scenarios validation criteria and expected lifecycle/event outcomes for QA/UAT/E2E and cutover rehearsal
• Drive analysis for modernization and migration programs including dual-run behavior comparison parity validation and operational readiness sign-off inputs
• Continuously build technical and domain knowledge in payments standards and market infrastructure changes to apply best practices and improve solution quality

Required qualifications capabilities and skills

• 5 years of experience or equivalent expertise in solutions analysis technical program delivery or a related field
• Demonstrated experience in payment processing domains across lifecycle stages: initiation/intake enrichment/qualification controls settlement and clearing connectivity
• Strong understanding of payment controls and operations including sanctions fraud funds control exception handling and lifecycle state management
• Advanced knowledge of ISO 20022 and SWIFT messaging including ability to interpret message structures and map business requirements to data models
• Proven ability to elicit requirements and produce clear implementation-ready documentation for business and technical audiences
• Strong SQL skills to query validate and analyze payment and operational data for decision support and requirement validation
• Strong knowledge of payment rails in the United States and international corridors including high-value and low-value processing patterns
• Experience working with major clearing infrastructures and/or partner-bank connectivity models
• Ability to drive outcomes in a fast-paced high-dependency environment with competing priorities
• Excellent analytical problem-solving skills and structured reasoning for ambiguity resolution

Preferred qualifications capabilities and skills

• Deep knowledge of High Value Payment systems Low Value Payment systems and Real-Time Payment rails
• Experience supporting migration programs from legacy payment platforms to modern event-driven architectures
• Strong proficiency in JIRA and related tooling for backlog management traceability and dependency tracking
• Ability to design and review test plans/scenarios with full acceptance coverage across functional flows lifecycle events and exception paths