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Wells Fargo · 14 hours ago

Senior Lead Payments Systems Business Analyst

Iselin, NJ

Full-time

Onsite

Senior Level, Lead/Staff

$139K/yr - $260K/yr

4+ years exp

Wells Fargo is seeking a Business Analyst to support critical initiatives within the Global Payments & Liquidity Treasury Technology organization. This role focuses on requirements analysis, payment-domain expertise, and collaboration across technology and business teams to ensure successful delivery of payment capabilities.

BankingFinancial ServicesFinTechInsurancePayments

No H1B

Responsibilities

Work with product owners, business partners, and technology teams to gather, analyze, and document business requirements, process flows, and functional specifications

Translate business needs into clear, actionable user stories, acceptance criteria, and functional requirements for engineering teams

Assess impacts of new features, regulatory changes, and modernization initiatives on existing payment flows and system components

Participate in solution discussions with architects and engineers, ensuring requirements align with enterprise standards and system capabilities

Support testing efforts (system testing, UAT, regression), create test scenarios, validate outcomes, and facilitate defect triage

Collaborate cross-functionally on changes related to payment processing, ISO 20022 readiness, routing logic, and application configuration

Analyze production issues, assist with root-cause identification, and recommend improvements to workflows and operational processes

Support documentation updates, process improvements, release readiness activities, and user onboarding as needed

Partner with distributed teams across multiple time zones and help ensure clarity, alignment, and timely delivery

Qualification

Payment systems expertiseISO 20022 implementationGlobal payments domain knowledgeAnalytical skillsTechnical specifications translationACI MTS conceptsCommunication skillsProblem-solving skillsDocumentation skillsAttention to detailCollaboration skills

Required

4+ years of experience as a Business Analyst, Systems Analyst, or in a related role within technology or financial services

4+ years experience presenting to senior and executive management

Preferred

Experience with payment systems such as ACH and/or Wires

Strong understanding of the global payments domain and clearing networks (FED, CHIPS, CHAPS, TARGET, SWIFT)

Experience participating in ISO 20022 implementation or migration projects

Strong knowledge of various payment message formats including: ISO 20022: PACS, PAIN, CAMT; SWIFT MT series (MT1xx, MT2xx, MT9xx, as applicable)

Well versed with market directory files like SwiftDirectroty, BicdirectroyPlus files

Experience supporting NFR-related validation such as resilience, RTO/RPO, or high-availability testing

Ability to collaborate effectively in distributed and virtual team environments

Strong attention to detail, documentation skills, and experience managing multiple workstreams simultaneously

Understanding of ACI MTS concepts including routing rules, remote records, and line configurations (awareness-level)

Experience translating business requirements into technical specifications or user stories

Strong analytical, problem-solving, and communication skills

Understanding of microservices, middleware, messaging concepts (JMS, Kafka), and system integration fundamentals

Working knowledge of ACI UPF, including: Payment routing logic and message orchestration; Endpoint & Bank Adapter concepts; Processing rules, cartridges, and flow monitoring; UPF Control Center dashboards and operational insights; Familiarity with ISO 20022 message structures and UPF 5.x flows