Business Analyst – Real-Time Payments

Be at the heart of transforming visions into market-ready products, while you navigate through and solve complex challenges. In this dynamic environment, you ensure smooth product delivery and support change initiatives, marking a significant step in your career growth and innovation journey.

As a Senior Product Delivery Associate in Global Cash Operations & Transformation (COT) team, you are trusted with enabling the delivery of products in a stable and scalable way. Work with cross-function teams, build key relationships, and enable the product to continuously deliver value. You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products. You will also work in a dynamic environment where responsibilities may evolve to meet business needs.

Job responsibilities

• Collaborates with the Product Delivery Manager to execute on key delivery tasks and identify ways to boost efficiencies
• Supports the completion of change management activities across functional partners and monitors adherence to the firm’s risk, controls, compliance, and regulatory requirements
• Raises blockers and other impediments to the Product Delivery Manager to manage dependencies and ensure adequate resources
• Collaborate with Operations, Product, and Technology to deliver scalable and resilient Real-Time Payments capabilities.
• Lead requirements discovery and translate business needs into functional flows, use cases, acceptance criteria, and delivery requirements in JIRA.
• Run daily POD calls and document payment journeys, processing steps, and exception scenarios.
• Assess operational impacts and design future-state processes, Target Operating Models, ownership, controls, and escalation paths.
• Identify risks (operational, regulatory, fraud, sanctions, liquidity, accounting, reconciliation) and define sustainable controls and mitigations.
• Develop and review testing scenarios with Operations, Product, and Technology, aligned with regional processes.
• Drive operational readiness, implementation planning, and go-live support.
• Facilitate workshops, resolve requirements gaps, communicate decisions and delivery status, and identify automation opportunities using AI. Maintain program artifacts, deliverables, milestones, and RAID logs.
• Required qualifications, capabilities, and skills
• 3+ years of experience or equivalent expertise in product management or a relevant domain area
• Demonstrated performance in either product management or relevant domain area
• Experience executing operational management and change readiness activities

Experience in product deployment processes

• 6+ years’ experience in financial services payments delivery, including direct RTP scheme experience.
• Self-starter with strong execution discipline and stakeholder management skills.
• Builds trusted relationships, influences decisions, and aligns cross-functional teams.
• Proficient in using AI tools to improve processes and identify automation opportunities.
• Collaborative team player who shares knowledge to enhance ways of working.
• Strong understanding of end-to-end payment processing, operational risk, and controls.
• Structured problem-solver with attention to detail and proficiency in JIRA, Excel, PowerPoint, and process-mapping tools.

Preferred qualifications, capabilities, and skills

• Developed knowledge of the product development life cycle
• Knowledge of ISO 20022 messaging and payment flows, including initiation, status, returns, investigations, reconciliation and reporting.
• Experience with APIs, webhooks, host-to-host files, digital payment platforms, sanctions, fraud, transaction limits, liquidity, reconciliations and exception processing.
• Experience in Corporate and Investment Bank operations, process automation and transformation, with familiarity of Monday.com, Alteryx, Tableau and responsible AI-assisted analysis.
• Experience supporting more than one CCB Operations Function/Line of Business
• Visa sponsorship is not available for this position.
• Work schedules will be full-time in office, on a 40-hour per week schedule.