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Job Summary
We are seeking a Senior Business Systems Analyst with strong expertise in instant payments and ISO 20022 to support the design and delivery of a next-generation Instant Payment Execution Engine. This role focuses on translating business requirements into detailed functional specifications and driving end-to-end analysis for real-time payment processing systems. You will work closely with product owners and engineering teams in an Agile environment to build scalable, high-impact payment solutions. The position requires deep domain knowledge in payment flows, strong analytical skills, and the ability to operate in complex, evolving systems.
*Please note, this role is not able to offer visa transfer or sponsorship now or in the future*
Key Responsibilities:
· Collaborate with business stakeholders and product owners to gather, analyze, and refine requirements into user stories and functional specifications.
· Define and document system scope, objectives, and detailed requirements for instant payment processing systems.
· Translate high-level business and technical requirements into clear specifications, including payment message flows and system interactions.
· Design and validate payment flows aligned with ISO 20022 standards and real-time processing schemes (e.g., SCT Instant or similar).
· Contribute to the development of a new Instant Payment Execution Engine, including architecture inputs and feature definition.
· Work in Agile delivery environments, participating in sprint planning, backlog grooming, and value stream alignment.
· Collaborate with engineering teams to ensure accurate implementation of business requirements and support testing/validation cycles.
· Analyze system performance and propose improvements to enhance payment processing efficiency and reliability.
Qualifications:
· 7+ years of experience as a Business Analyst or Business Systems Analyst in financial services or payments domain.
· Strong expertise in instant payment processing, including SCT Instant or similar real-time payment schemes.
· Deep knowledge of ISO 20022 messaging standards and payment message flows.
· Proven ability to define and document detailed business and system requirements for complex platforms.
· Experience working in Agile environments with a solid understanding of value streams and product delivery models.
· Ability to translate abstract concepts and high-level requirements into actionable specifications.
· Experience building new platforms/products from scratch is highly desirable.
· Strong communication and stakeholder management skills.
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Applications will be accepted until 12 Jun 2026.
Salary and Other Compensation:
The hourly salary for this position is between $[ 113,000 - 132,500] depending on experience and other qualifications of the successful candidate.
This position is also eligible for Cognizant’s discretionary annual incentive program, based on performance and subject to the terms of Cognizant’s applicable plans.
Benefits: Cognizant offers the following benefits for this position, subject to applicable eligibility requirements:
· Medical/Dental/Vision/Life Insurance
· Paid holidays plus Paid Time Off
· 401(k) plan and contributions
· Long-term/Short-term Disability
· Paid Parental Leave
· Employee Stock Purchase Plan
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。
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