Business Analyst – Payments (Cross-Border & RTP)

Role: Business Analyst Payments (Cross-Border & RTP)

Location: New York NY (Hybrid)

Type: Contract

Job Summary

• We are seeking an experienced Business Analyst with strong domain expertise in payments specifically in cross-border payments and domestic real-time payments (RTP). The ideal candidate will be skilled in translating business needs into clear detailed functional requirements and working closely with stakeholders across product technology and operations teams. Experience with ACH payment systems is a plus.

Key Responsibilities

• Gather analyze and document business and functional requirements for payment-related initiatives
• Work closely with stakeholders to understand needs in cross-border payments and domestic RTP systems
• Translate business requirements into detailed functional specifications user stories and process flows
• Collaborate with technology teams to ensure accurate implementation of requirements
• Support end-to-end project lifecycle including requirement validation testing and deployment
• Conduct gap analysis and propose solutions aligned with business objectives
• Ensure compliance with regulatory and industry standards in payments
• Facilitate workshops stakeholder meetings and requirement review sessions

Required Qualifications

• 8 years experience as a Business Analyst in the payments domain
• Strong knowledge of cross-border payments and domestic real-time payment (RTP) systems
• Expertise in writing clear and detailed functional requirements and documentation
• Experience working with stakeholders across business and technology teams
• Strong analytical problem-solving and communication skills
• Familiarity with Agile or hybrid delivery methodologies

Key Skills

• Business Analysis & Requirement Gathering
• Functional Documentation (BRD FRD User Stories)
• Payments Domain Expertise
• Stakeholder Management
• Process Modeling (e.g. BPMN flow diagrams)

Preferred Qualifications

• Experience with ACH (Automated Clearing House) payment systems
• Understanding of payment networks messaging standards (e.g. ISO 20022 SWIFT) and settlement processes
• Exposure to regulatory and compliance frameworks in payments