Lead Software Engineer

Position Overview

As an ACH Payments Business Analyst, you will play a pivotal role in transforming and modernizing the Enterprise Payments ecosystem. You will serve as a key bridge between business operations, product management, and technology delivery teams. You will lead business analysis, requirements gathering, and solution design for Automated Clearing House (ACH) processing, NACHA compliance, and payment settlement initiatives.

Primary Responsibilities

Requirements

Elicitation & Documentation: Lead stakeholder workshops, gather and synthesize complex business requirements, and author detailed Business Requirements Documents (BRD), Functional Specification Documents (FSD), process flow diagrams, and Agile user stories.

ACH Subject Matter Expertise

Provide domain expertise on NACHA Operating Rules, ACH transaction types (PPD, CCD, WEB, TEL, IAT), same-day ACH, returns, NOCs (Notices of Change), and FedACH clearing workflows.

Agile Delivery & Collaboration

Partner with Product Owners, Enterprise Architects, and Software Engineering teams throughout the SDLC. Actively participate in Agile ceremonies including backlog refinement, sprint planning, and daily standups.

Testing & Quality Assurance

Define test strategies, write comprehensive test scripts, and lead System Integration Testing (SIT) and User Acceptance Testing (UAT) execution for payment platform upgrades and regulatory releases.

Data Analysis & Process Optimization

Use SQL queries and data visualization tools to analyze payment transaction flows, identify operational bottlenecks, validate system behavior, and recommend technology enhancements.

Risk, Compliance & Governance

Ensure all solution designs and operational procedures adhere to federal banking regulations, NACHA standards, OCC guidelines, and M&T internal control standards.

Required Qualifications & Experience Domain Knowledge: Proven experience with ACH payment processing, NACHA operating guidelines, core banking settlement systems, and enterprise payment gateways.

Technical Capabilities

Proficiency with SQL for data extraction and analysis, workflow charting tools (e.g., Visio, Lucidchart), and Agile management software (e.g., Jira, Confluence).

Methodology

Strong knowledge of SDLC and Agile delivery frameworks.

Preferred Qualifications

• AAP (Accredited ACH Professional) certification.
• Experience with modern payment standards (ISO 20022