Senior Analyst-Payments Business Requirements
About The Position
American Express is establishing a Payments Governance & Oversight team to strengthen payment processing, governance, business expertise, and support for strategic payment initiatives. The team serves as a centralized payments authority for consumer and commercial banking, working with Operations, Product, Technology, Regulatory, Risk, and other partners to support reliable, well-governed payment capabilities and continued growth. The Senior Analyst – ACH Business Transformation supports strategic changes to the bank’s payment capabilities, including ACH and other major payment rails. As a primary business partner to Product, Technology, Operations, and other stakeholders, the analyst translates payment rules, business processes, and operational needs into clear requirements and expected system behaviors. The role combines analytical and business requirements work with banking or payment-processing knowledge, and contributes to broader payment governance, processing oversight, and knowledge management as business needs evolve.
Requirements
- At least 2 years of relevant experience in banking, fintech, or another financial services environment.
- Experience gathering, analyzing, documenting, and validating business or functional requirements.
- Working understanding of banking operations, payment processing concepts, and financial transactions.
- Experience supporting product development, system enhancements, process changes, or cross-functional business initiatives.
- Strong analytical and problem-solving skills, including the ability to evaluate complex processes and identify practical solutions.
- Strong written and verbal communication skills and the ability to collaborate effectively with business, technical, and other stakeholders.
- Ability to translate business needs and complex information into clear, actionable requirements and documentation for different audiences.
- Strong organization and prioritization skills, including the ability to independently manage deliverables across multiple initiatives.
- Demonstrated ability to navigate ambiguity, build relationships, and influence outcomes across teams.
- Eligibility to work in the United States; American Express will not pursue visa sponsorship for these positions.
Nice To Haves
- Direct experience with ACH processing, NACHA operating rules, payment file formats, or ACH processing systems.
- Experience supporting banking or payments technology transformation initiatives.
- Experience with business process mapping, system integration, exception processing, or payment transaction lifecycles.
- Experience developing acceptance criteria, user acceptance testing scenarios, and business-readiness assessments.
Responsibilities
- Serve as a key Global Serving (Bank Servicing Network) partner for strategic ACH and payment initiatives, working with Product, Technology, Operations, and other bank stakeholders.
- Own and drive business initiatives from requirements through testing, implementation, and post-launch stabilization.
- Gather, analyze, document, and validate business and functional requirements for bank processing systems, enhancements, and process changes.
- Translate ACH/NACHA rules, bank regulations, operational processes, and payment use cases into expected system behaviors, functional requirements, and acceptance criteria.
- Analyze current-state bank processes, system capabilities, data flows, and operational dependencies to identify gaps, risks, and improvement opportunities.
- Support major bank modernization initiatives.
- Develop business process flows, exception scenarios, requirements documentation, and supporting materials to guide solution design and implementation.
- Partner with Product, Technology, and Operations to evaluate solutions and ensure alignment with payment processing requirements.
- Monitor evolving payment rules and business needs, assess impacts, and initiate necessary changes.
- Identify operational risks, downstream impacts, and control considerations while driving cross-functional alignment.
- Support ACH governance, process improvements, and knowledge management initiatives.
Benefits
- Competitive base salaries
- Bonus incentives
- 6% company match on retirement savings plan
- Free financial coaching and financial well-being support
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model, with hybrid, onsite, or virtual arrangements depending on role and business need
- 20+ weeks of paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption, or surrogacy
- Free access to global onsite wellness centers staffed with nurses and doctors, depending on location
- Free and confidential counseling support through the Healthy Minds program
- Career development and training opportunities
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
