SME Payments

Capgemini • Chicago, IL

7d • $116,137 - $142,000

About The Position

Capgemini is seeking an experienced Payments Subject Matter Expert (SME) / Senior Business Analyst to bridge business stakeholders, operations teams, technology teams, and solution vendors. The role supports payment transformation and modernization initiatives, ensuring solutions align with business objectives, regulatory requirements, and customer experience goals. The position is located in Chicago, Illinois.

The Payments SME acts as the primary subject matter expert for payment transformation programs, helps define business requirements and future-state operating models, and supports the implementation and enhancement of payment solutions. Payment areas include claims payments, premium collections, ACH, real-time payments, digital wallets, card payments, payment gateways, and payment processing platforms. The role also supports solution assessments, testing, compliance and operational needs, documentation, and change management throughout the project lifecycle.

Requirements

• Bachelor’s degree in Business, Finance, Information Systems, Technology, or a related field.
• 10–12 years of experience in payments, payment operations, business analysis, or payment transformation programs.
• Proven experience as a Payments SME and Business Analyst on large-scale transformation initiatives.
• Strong expertise in payment ecosystems and end-to-end payment processing workflows.
• Experience gathering, documenting, validating, and managing business and functional requirements.
• Strong understanding of ACH payments, real-time payments (RTP), wire transfers, digital payments, payment reconciliation, payment operations, claims disbursements, and premium billing and collections.
• Experience creating Business Requirements Documents (BRDs), Functional Requirements Documents (FRDs), user stories, process flows, and data mapping documents.
• Strong analytical, problem-solving, and critical-thinking skills.
• Experience working within Agile, Scrum, Waterfall, or Hybrid delivery methodologies.
• Excellent communication and stakeholder management skills.

Nice To Haves

• Experience supporting insurance payment transformation programs.
• Experience implementing payment platforms within insurance organizations.
• Knowledge of payment regulations, compliance standards, and risk controls.
• Experience working with payment vendors, payment gateways, and fintech solutions.
• Professional certifications such as CBAP, CCBA, PMI-PBA, or CSM.
• Experience with cloud-based payment solutions and digital transformation initiatives.

Responsibilities

• Act as the primary Payments SME for payment transformation and modernization programs.
• Partner with business stakeholders to identify payment-related challenges, opportunities, and business requirements.
• Lead requirements-gathering workshops, stakeholder interviews, and business process analysis sessions.
• Document and manage business requirements, functional specifications, user stories, process flows, and use cases.
• Analyze current-state payment processes and define future-state operating models.
• Support implementation and enhancement of claims payments, premium collections, ACH payments, real-time payments, digital wallets, card payments, payment gateways, and payment processing platforms.
• Collaborate with technology teams to translate business needs into solution designs.
• Conduct gap analysis, impact assessments, and process optimization initiatives.
• Support vendor evaluations, solution assessments, and proof-of-concept activities.
• Facilitate User Acceptance Testing (UAT), test planning, defect resolution, and business sign-offs.
• Assist with compliance, audit, and operational requirements related to payment processing.
• Develop business process documentation, training materials, and operational procedures.
• Ensure end-to-end traceability of requirements throughout the project lifecycle.
• Support organizational change management and stakeholder communications during implementations.

Benefits

• Paid time off, including vacation of 12–25 days depending on grade, company-paid holidays, personal days, and sick leave.
• Medical, dental, and vision coverage (or provincial healthcare coordination in Canada).
• Retirement savings plans, such as 401(k) in the U.S. or RRSP in Canada.
• Life and disability insurance.
• Employee assistance programs.
• Other benefits as provided by local policy and eligibility.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior