Product Owner / Business Analyst - Payments

Lead payments-focused product delivery by partnering with client stakeholders and translating corporate banking needs into validated Agile backlog work.

Responsibilities

• Partner with client stakeholders to understand business needs, clarify requirements, and provide functional guidance for payments and cash management
• Run requirements elicitation through workshops, sessions, and walkthroughs with business users and operations teams
• Convert client inputs into user stories, functional specifications, and acceptance criteria suitable for sprint execution
• Own product backlog activities: maintain, prioritize, refine, and ensure readiness for upcoming sprints
• Participate in Agile delivery ceremonies including daily stand-ups, sprint planning, backlog grooming, sprint reviews, and retrospectives
• Serve as the primary functional point of contact for questions from development, testing, and client teams
• Review solution designs to confirm alignment with payments, cash management, and corporate banking workflows
• Work with technology teams to validate upstream and downstream system integrations
• Support UAT activities, including test scenario definition, defect triage, and coordination with client users
• Analyze payment flows and ensure accuracy and compliance across SEPA, CHAPS, CHIPS, FEDWIRE, ACH, and SWIFT
• Collaborate with risk and compliance teams to align with Fraud, AML, KYC, and Sanctions requirements
• Provide regular status updates to clients and internal stakeholders on scope, progress, and risks
• Surface gaps, dependencies, and risks early and coordinate follow-through to drive resolution
• Build and maintain strong product and domain knowledge to advise clients on best practices
• Support post-implementation activities, including production issue analysis and root cause support

Requirements

• 8+ years experience as a Product Owner and/or Business Analyst in Corporate Banking or Transaction Banking
• 5+ years experience in requirements elicitation and analysis, including client workshops and stakeholder interviews
• 6+ years hands-on payments domain experience supporting EMEA and North America payment schemes
• 5+ years experience with payments processing and messaging, including SEPA, CHAPS, CHIPS, FEDWIRE, ACH
• 5+ years experience with payments processing and messaging, including SWIFT (MT/MX) and ISO 20022
• 4+ years experience delivering in Agile environments (Scrum/Kanban), including backlog management and sprint ceremonies
• 3+ years experience collaborating with technology teams on system integrations (upstream and downstream interfaces)
• 2+ years experience in a client-facing role managing business stakeholders and cross-functional teams
• Strong working knowledge of Agile tools such as JIRA, Confluence, or equivalent
• Travel/Onsite: requires 2 days in-office at the client Charlotte, NC office
• Degree: Bachelors in computer science or equivalent work experience

Technologies

• Agile tools such as JIRA, Confluence
• SEPA, CHAPS, CHIPS, FEDWIRE, ACH
• SWIFT (MT/MX)
• ISO 20022

Benefits

• Participation in medical, dental, and vision insurance
• Flexible spending or health savings account
• AD&D insurance
• Employee assistance
• Participation in a 401k program
• Additional voluntary or legally-required benefits

Nice to Have

• Experience working on Payments Transformation or Modernization programs
• Exposure to ISO 20022 migration or coexistence initiatives
• Prior experience supporting tier-1 or global banks in Corporate or Transaction Banking
• Knowledge of SWIFT connectivity models (Alliance Access, Alliance Lite2, SCORE, MA-CUG)
• Experience with API-based integrations, microservices, or event-driven architectures
• Familiarity with real-time and instant payment schemes
• Exposure to regulatory or compliance-driven initiatives within banking
• Experience supporting cloud-based banking platforms or SaaS solutions
• Certifications such as CSPO, SAFe PO/PM, CBAP, or PMI-PBA
• Prior experience working in onsite–offshore delivery models
• Strong documentation skills using tools such as Confluence or similar knowledge platforms

Location: Charlotte, NC, United States (onsite)

Compensation: USD 60 - 62 per hourly