Payments Systems Analyst

Fiserv•Berkeley Heights, NJ

2d•$120,000 - $198,000•Onsite

About The Position

As a Senior Business Analyst, you will support the Payments Exchange Wires Platform by translating Fedwire Funds Service and ISO 20022 requirements into platform capabilities. You will collaborate with product, engineering, architecture, quality assurance, operations, and client-facing teams throughout the product development lifecycle. Your work will help improve wire payment processing, delivery clarity, and platform readiness for clients. This role is on-site Monday through Friday. Fiserv considers in-person collaboration essential to the role and to onboarding and productivity. Candidates must already possess valid and unrestricted U.S. work authorization; candidates who require sponsorship now or in the future will not be considered. The listed salary range of $120,000–$198,000 applies to employees in New Jersey and New York; ranges in other states may differ. Incentive-eligible associates may be eligible for an annual incentive opportunity delivered as cash bonus and/or equity awards, at the company’s discretion.

Requirements

At least 6 years of experience as a Business Analyst, Product Analyst, or payments subject-matter expert in banking, payment technology, or financial services.
At least 6 years of experience analyzing high-value or wire payment lifecycles, including payment statuses, settlement, returns, investigations, exceptions, and reconciliation.
At least 6 years of experience with Fedwire Funds Service processing, including operating concepts, message flows, controls, and exception scenarios.
At least 6 years of experience with ISO 20022 payment messaging, including message structures, data elements, validation, mapping, and end-to-end processing.
At least 6 years of experience creating requirements, user stories, process models, data mappings, and testable acceptance criteria for integrated platforms.
At least 6 years of experience working in Agile product development teams with engineering, architecture, and quality assurance functions.
Bachelor’s degree or higher in Business, Finance, Information Systems, Computer Science, or a related field, or an equivalent combination of education, related experience, and/or military experience.
Must currently possess valid and unrestricted U.S. work authorization; sponsorship is not available now or in the future.

Nice To Haves

Experience implementing or supporting Fedwire ISO 20022 migration or modernization initiatives.
Knowledge of related payment rails and messaging standards, such as CHIPS, SWIFT, real-time payments, FedNow, or cross-border payments.
Experience with cloud-native, microservices-based, or API-enabled payment platforms.
Experience supporting client workshops, implementation discovery, demonstrations, RFP responses, or RFI responses.

Responsibilities

Lead business and domain analysis for the Payments Exchange Wires Platform, focusing on Fedwire Funds Service processing and ISO 20022.
Develop epics, features, user stories, process flows, and acceptance criteria based on business, client, regulatory, and payment network requirements.
Evaluate end-to-end wire payment processing needs, including initiation, validation, routing, settlement, acknowledgements, investigations, returns, exceptions, and reconciliation.
Define ISO 20022 message requirements, business rules, data mappings, and processing outcomes for Fedwire and related payment flows.
Partner with architecture, development, and quality assurance teams to clarify requirements, resolve questions, and validate intended business outcomes.
Participate in Agile ceremonies, backlog refinement, sprint planning, demonstrations, and retrospectives.
Support functional, integration, and user acceptance testing through scenario definition, traceability, defect analysis, and validation of delivered capabilities.

Benefits

Fuel Your Life program supporting physical, financial, social, and emotional well-being.
Paid holidays and generous time-away policies.
No-cost mental health support through Employee Assistance Programs.
Living Proof peer-recognition program with points redeemable for rewards.
Eight Employee Resource Groups.
Training, development, and internal mobility opportunities.
Medical, dental, vision, life, and disability insurance options available from day one.
401(k) match.
Discounted shares through the Employee Stock Purchase Plan.
Tuition assistance and reimbursement program.
Paid parental and military leave.
Annual incentive opportunity for incentive-eligible associates, potentially delivered as cash bonus and/or equity awards.