Vice President, Payments Product Analyst

BNY Mellon•Pittsburgh, PA

About The Position

The Vice President, Product Analyst is an integral part of the POM Product Management function. Embedded in a product pod, the analyst performs detailed business, system, and process analysis for a defined product or capability area. The role partners closely with Product Owners and supports Product Managers in translating product intent, regulatory needs, and operational requirements into clear, testable analysis and backlog-ready stories. It is accountable for improving story quality, reducing ambiguity and rework, and supporting delivery that is ready for audit and operations. The position requires payments-processing domain expertise, including regulatory standards such as ISO 20022, and strong analytical capabilities to support business transformation initiatives. The analyst works across Product, Technology, Operations, and Client Services, and supports Agile delivery, testing, production troubleshooting, regulatory traceability, and operational handover.

Requirements

Bachelor’s degree in Business, Engineering, or a related field.
5–10+ years of experience required.
Background in banking, financial services, or transaction banking.
Experience in large-scale payment transformation programs or platform modernization initiatives.
Exposure to regulatory initiatives, such as ISO migrations or market infrastructure changes.
Deep expertise in payments processing and regulatory standards, including ISO 20022.
Strong analytical capabilities and proficiency in process modeling, analysis techniques, and business/data-rules capture.
Ability to use data analysis tools such as SQL and Excel.
Familiarity with APIs, integration patterns, and payment processing systems.
Clear written communication and ability to produce concise artifacts and acceptance criteria.
Strong meeting facilitation and note-taking skills.
Time-management and backlog-readiness discipline, with the ability to manage multiple work items and stakeholders within a sprint cadence.

Nice To Haves

Advanced degree preferred.

Responsibilities

Elicit, analyze, and document functional and non-functional requirements for payments initiatives, including cross-border payments, real-time processing, and clearing systems.
Create and maintain analysis artifacts, including current- and future-state process flows, user journeys, decision tables, data mappings, and traceability.
Support backlog readiness and refinement with the Product Owner by clarifying scope, acceptance criteria, edge cases, and downstream impacts.
Conduct impact analysis across adjacent workflows, systems, and controls; identify risks, dependencies, and operational constraints early.
Partner with testing teams to validate requirements and acceptance criteria, support UAT, and assist with defect triage from a business-process perspective.
Maintain regulatory and audit traceability from requirements through release, ensuring required evidence and documentation are complete.
Support launch and BAU handover by preparing process updates, standard operating procedures and work instructions, RACI updates, and training materials with Product and Operations.
Escalate analysis complexity, regulatory risk, or cross-pod dependencies that exceed pod scope and require Senior BA support.
Provide subject matter expertise in payments processing, including SWIFT, ISO 20022 pain/pacs/camt messages, major Financial Market Infrastructures, instant payments, and payment lifecycle flows.
Interpret and validate payment message fields and business rules.
Support payment modernization, regulatory compliance, and operational risk-reduction initiatives.
Act as a liaison among Product, Technology, Operations, and Client Services to align requirements and delivery priorities.
Facilitate workshops, backlog grooming sessions, and requirements walkthroughs with stakeholders.
Coordinate across multiple teams to define scope, constraints, and dependencies for strategic initiatives.
Work within Agile/Scrum frameworks to support sprint planning, backlog refinement, and UAT cycles.
Define acceptance criteria and support functional testing to ensure high-quality delivery.
Track deliverables and ensure timely execution across large-scale, mission-critical programs.
Perform data analysis, reconciliation, and validation for payment flows and transactions.
Support production-issue troubleshooting and root-cause analysis for payment failures or exceptions.
Ensure data quality, integrity, and compliance with regulatory standards.
Ensure adherence to regulatory and compliance standards, including SWIFT, ISO, sanctions, and AML.
Identify and mitigate operational risks in payment processes and system design.
Contribute to strengthening controls and improving straight-through processing rates.