Real Time Payments - Lead Solutions Analyst

Lead the forefront of innovative solutions analysis in a dynamic tech environment, driving success through expertise in data analytics and technical program delivery.

As a Lead Solutions Analyst in Commercial & Investment Bank, you will play a central role in driving the success of our technical program delivery. Your deep understanding of applications, platforms, and products will position you as a key bridge between product owners, business, operations, and software developers. Utilizing advanced analytical reasoning and technical fluency, you will translate complex business requirements into well-structured and technically feasible solutions. You will make data-informed decisions and provide strategic insights to support key business initiatives. As a technical subject matter expert, you'll navigate ambiguity, manage change effectively, and communicate compellingly with diverse stakeholder audiences to ensure the highest quality and professionalism in service delivery.

Job responsibilities

• Elicit, analyze, and document end-to-end payment requirements by partnering with product owners, business operations, architecture, and engineering to ensure functional clarity, feasibility, and delivery readiness
• Translate complex product and operational needs into structured solution requirements, including business process sequences, lifecycle state transitions, business error handling, and non-functional constraints
• Define system capabilities (the 'What') and acceptance outcomes with Product and Operations partners, including expected controls decisions (pass/hold/reject/recheck) and exception-routing behavior
• Perform data-flow and impact analysis across intake, capture, qualification, controls, settlement, and clearing connectors to identify gaps, dependencies, and migration risks
• Produce high-quality artifacts such as process maps, source-to-target mappings, business rules, data dictionaries, API/field requirements, and traceable acceptance criteria
• Lead requirement governance through backlog refinement, story decomposition, and prioritization with clear rationale (reuse vs new capability, config vs code)
• Collaborate with cross-functional teams to maintain standards, policies, and governance aligned to controls, compliance, resiliency, and operational support
• Support test strategy by defining business scenarios, validation criteria, and expected lifecycle/event outcomes for QA/UAT/E2E and cutover rehearsal
• Drive analysis for modernization and migration programs, including dual-run behavior comparison, parity validation, and operational readiness sign-off inputs
• Continuously build technical and domain knowledge in payments, standards, and market infrastructure changes to apply best practices and improve solution quality

• 5+ years of experience or equivalent expertise in solutions analysis, technical program delivery, or a related field
• Demonstrated experience in payment processing domains across lifecycle stages: initiation/intake, enrichment/qualification, controls, settlement, and clearing connectivity
• Strong understanding of payment controls and operations, including sanctions, fraud, funds control, exception handling, and lifecycle state management
• Advanced knowledge of ISO 20022 and SWIFT messaging, including ability to interpret message structures and map business requirements to data models
• Proven ability to elicit requirements and produce clear, implementation-ready documentation for business and technical audiences
• Strong SQL skills to query, validate, and analyze payment and operational data for decision support and requirement validation
• Strong knowledge of payment rails in the United States and international corridors, including high-value and low-value processing patterns
• Experience working with major clearing infrastructures and/or partner-bank connectivity models
• Ability to drive outcomes in a fast-paced, high-dependency environment with competing priorities
• Excellent analytical problem-solving skills and structured reasoning for ambiguity resolution

• Deep knowledge of High Value Payment systems, Low Value Payment systems, and Real-Time Payment rails
• Experience supporting migration programs from legacy payment platforms to modern event-driven architectures
• Strong proficiency in JIRA and related tooling for backlog management, traceability, and dependency tracking
• Ability to design and review test plans/scenarios with full acceptance coverage across functional flows, lifecycle events, and exception paths