About Cognizant Consulting
Cognizant Consulting is more than Cognizant’s consulting practice—we’re a global community of 5,000+ experts dedicated to helping clients reimagine their business. Blending our deep industry and technology advisory capability, we create innovative business solutions for Fortune 500 clients. And now, we’re looking for our next colleague who’ll join us in shaping the future of business. Could it be you?
About the role
As a Senior Business Systems Analyst – Global Payments (ISO 20022), you will make an impact by driving the analysis, specification, and documentation enabling engineering teams to build and deploy solutions supporting SWIFT MT-to-MX migration, ISO 20022 message processing, and integration with downstream screening, monitoring, reconciliation, and reporting platforms. You will be a valued member of the Capital Markets team and work collaboratively with engineering teams, payment platforms, and compliance systems.
In this role, you will:
Elicit and document technical and functional requirements for ISO 20022 initiatives, translating CBPR+ guidelines and message definition reports into detailed specifications
Perform element-level data mapping between SWIFT MT fields (50, 52, 56, 57, 59, 70, 72) and ISO 20022 MX equivalents across pacs, camt, and pain message families, including transformation rules, conditional logic, and exception handling
Conduct technical gap analysis on payment platforms, middleware, and downstream systems to identify required code changes, schema modifications, and new components
Define system behavior for MT/MX coexistence scenarios including data truncation, character set conversion, structured-to-unstructured mapping, and fallback logic
Support interface design, message flow modeling, testing, defect triage, standards impact assessment, and collaboration with screening and monitoring platforms
Work model – Onsite
At Cognizant, we strive to provide flexibility wherever possible, and we are here to support a healthy work-life balance through our various wellbeing programs. Based on this role’s business requirements, this is an onsite position requiring time in a client or Cognizant office in Toronto.
The working arrangements for this role are accurate as of the date of posting. This may change based on the project you’re engaged in, as well as business and client requirements. Rest assured; we will always be clear about role expectations.
What you must have to be considered
8–12+ years of experience as a Business Systems Analyst, Technical Analyst, or Systems Analyst within payments technology or financial messaging
Expert knowledge of SWIFT MT messages (MT103, MT202, MT202COV, MT199, MT900/910, MT950) and ISO 20022 schemas (pacs.008, pacs.009, pacs.002, pacs.004, camt.053, camt.054, pain.001) including CBPR+ usage guidelines
Strong experience performing detailed MT-to-MX data mapping, including transformation rules and exception handling
Proficiency with XML/XSD, XPath, and XSLT for ISO 20022 message interpretation and transformation specification
Experience defining integration logic for payment middleware and platforms (Volante, Bottomline, Axway, IBM MQ, Kafka, SWIFT Alliance Access/Gateway)
Strong SQL skills for data analysis, schema validation, and requirements verification
Experience designing API, message queue, and file-based integration interfaces within payments ecosystems
Familiarity with SWIFT network infrastructure (FIN, FINplus, InterAct, FileAct) and correspondent banking models
These will help you succeed
Experience working with sanctions screening and transaction monitoring platforms from a technical integration perspective
Knowledge of regulatory frameworks including Travel Rule (31 CFR 1010.410), FATF Recommendation 16, and OFAC screening requirements
Experience modeling end-to-end payment flows using sequence diagrams, data flow diagrams, and state transition diagrams
Experience supporting testing, defect triage, and SWIFT SR or ISO 20022 migration activities
Ability to collaborate effectively across engineering, compliance, and payment platform teams
We're excited to meet people who share our mission and can make an impact in a variety of ways. Don't hesitate to apply, even if you only meet the minimum requirements listed. Think about your transferable experiences and unique skills that make you stand out as someone who can bring new and exciting things to this role.
We regularly assess market data to ensure we offer a competitive compensation package for our associates. The base salary for this position ranges between $120,000 - $140,000 per year. Where the successful candidate may fall within the range depends on relevant education, work and/or management experience and other business-related and job-necessary qualifications. This position is also eligible for Cognizant’s discretionary annual performance-based bonus, as well as benefits that support your physical, mental and financial wellbeing.
关于高知特 (Cognizant)
高知特(Cognizant)（纳斯达克代码：CTSH）作为一家AI Builder和相关技术服务提供商，致力于通过打造全栈AI解决方案，帮助企业将人工智能投资转化为实际价值。公司凭借深厚的行业经验、流程优化和工程技术专长，将企业独特的业务场景融入科技系统，赋能组织释放人才潜能，推动切实成果，并帮助全球企业在瞬息万变的环境中保持领先。如需了解更多详情，敬请访问 cognizant.ai 或关注@cognizant。
补充雇佣信息
薪酬信息截至本职位发布之日为准。Cognizant 保留在适用法律允许的范围内随时修改该信息的权利。
申请人可能需要通过现场面试或视频会议的方式参加面试。此外，候选人在每次面试时可能需要出示其当前所在州或政府签发的有效身份证件。
Cognizant 是一家提供平等就业机会的雇主。在招聘过程中，您的申请和候选资格不会因种族、肤色、性别、宗教、信仰、性取向、性别认同、国籍、残疾、遗传信息、怀孕、退伍军人身份或任何其他受联邦、州或地方法律保护的特征而受到影响。
