Payment Business Analyst / Product Owner

Position Title:

Payment Business Analyst / Product Owner

Domain:

Global Payments, Clearing & Settlement, Core Banking Integrations

1. Role Purpose & Executive Summary

We are seeking a high-caliber, results-oriented Payment Business Analyst & Product Owner to drive the modernization, design, and integration of our global enterprise payment platforms.

You will hold end-to-end product ownership for payment processing capabilities—

instant payments

.

You will lead detailed data mapping using the

ISO 20022

XML/JSON standard, model End-to-End (E2E) payment sequence flows, author granular Agile user stories, negotiate technical agreements with partner systems/networks, and own the backlog through full lifecycle deployment.

2. Core Responsibilities

A. ISO 20022 Data Mapping & Message Specification

• Message Mapping & Translation:

Define source-to-target mapping specifications (STMs) between clearing formats to ISO 20022 messages (pain.001, pain.002, pacs.008, pacs.009, pacs.004, pacs.002, camt.053, camt.054, camt.056).

• Data Dictionary & Schema Validation:

Maintain schema validation rules, XSD validation definitions, truncation/enrichment logic, and character set translations (UTF-8, an others).

• Clearing & Market Infrastructure Rule Adherence:

Ensure message definitions strictly comply with market practice guidelines depending on country definitions.

B. End-to-End (E2E) Payment Flow Modeling & Architecture

• E2E Flow Diagrams:

Construct comprehensive workflow, state-transition, and sequence diagrams covering the full payment lifecycle (Origination Sanctions/AML Fraud Screening Core Ledger Accounting Clearing & Settlement Rails Reconciliation & Reporting).

• Exception & Investigation Flows:

Map return and recall workflows (camt.056, pacs.004, camt.029), chargebacks, repair queues, Dodd-Frank Section 1073 compliance, and non-delivery notifications.

• System Impact Analysis:

Conduct functional gap analyses