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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
Sobre a Cognizant
Cognizant (NASDAQ: CTSH) é uma construtora de IA e fornecedora de serviços de tecnologia, criando a ponte entre o investimento em IA e o valor para as empresas por meio do desenvolvimento de soluções de IA completas para nossos clientes. Nossa profunda experiência em setores, processos e engenharia nos permite incorporar o contexto único de cada organização em sistemas tecnológicos que potencializam a capacidade humana, geram resultados tangíveis e mantêm empresas globais à frente em um mundo em rápida transformação. Saiba mais em cognizant.ai ou @cognizant.
A Cognizant é uma empregadora que investe em equidade. Sua candidatura não será pautada em raça, cor, gênero, sexualidade, credo, origem, deficiência, gravidez ou qualquer outra característica protegida pelas leis brasileiras.
Informações adicionais de emprego
Os candidatos podem ser obrigados a comparecer a entrevistas presenciais ou por videoconferência. Além disso, os candidatos podem ser obrigados a apresentar seu documento de identificação emitido pelo estado ou governo atual durante cada entrevista.
Embora nosso sistema permita a candidatura em todos os idiomas, o(s) idioma(s) e o(s) nível(is) de proficiência exigidos para o trabalho variam. No entanto, é necessário um nível básico de inglês para fins de comunicação em toda a empresa.
A Cognizant é uma empregadora que investe em equidade. Sua candidatura não será pautada em raça, cor, gênero, sexualidade, credo, origem, deficiência, gravidez ou qualquer outra característica protegida pelas leis brasileiras.
Se você tem uma deficiência que requer adaptações razoáveis para procurar uma vaga de emprego ou enviar uma candidatura, envie um e-mail para [email protected] com sua solicitação e informações de contato.
