Payments Systems Analyst

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We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

Payments Systems Analyst

About your role:

As a Senior Business Analyst, you will support the Payments Exchange Wires Platform by translating Fedwire Funds Service and ISO 20022 requirements into platform capabilities. You will work with product, engineering, architecture, quality assurance, operations and client-facing teams across the product development lifecycle. Your work will help improve wire payment processing, delivery clarity and platform readiness for clients.

What you'll do:

• Lead business and domain analysis for the Payments Exchange Wires Platform, with a focus on Fedwire Funds Service processing and ISO 20022.
• Develop epics, features, user stories, process flows and acceptance criteria from business, client, regulatory and payment network requirements.
• Evaluate end-to-end wire payment processing needs, including initiation, validation, routing, settlement, acknowledgements, investigations, returns, exceptions and reconciliation.
• Define ISO 20022 message requirements, business rules, data mappings and processing outcomes for Fedwire and related payment flows.
• Partner with architects, developers and quality assurance teams to clarify requirements, resolve questions and validate intended business outcomes.
• Participate in Agile ceremonies, backlog refinement, sprint planning, demonstrations and retrospectives to support predictable delivery.
• Support functional, integration and user acceptance testing through scenario definition, traceability, defect analysis and validation of delivered capability.
• Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you'll need to have:

• 6+ years of experience as a Business Analyst, Product Analyst or payments subject-matter expert within banking, payment technology or financial services.
• 6+ years of experience analyzing high-value or wire payment lifecycles, including payment statuses, settlement, returns, investigations, exceptions and reconciliation.
• 6+ years of experience with Fedwire Funds Service processing, including operating concepts, message flows, controls and exception scenarios.
• 6+ years of experience with ISO 20022 payment messaging, including message structures, data elements, validation, mapping and end-to-end processing.
• 6+ years of experience creating requirements, user stories, process models, data mappings and testable acceptance criteria for integrated platforms.
• 6+ years of experience working in Agile product development teams with engineering, architecture and quality assurance functions.
• Bachelor’s Degree or higher in Business, Finance, Information Systems, Computer Science or a related field, or equivalent combination of education, related experience and/or military experience.

Experience that would be great to have:

• Experience implementing or supporting Fedwire ISO 20022 migration or modernization initiatives.
• Knowledge of related payment rails and messaging standards, such as Clearing House Interbank Payments System, Society for Worldwide Interbank Financial Telecommunication, real-time payments, FedNow or cross-border payments.
• Experience with cloud-native, microservices-based or application programming interface-enabled payment platforms.
• Experience supporting client workshops, implementation discovery, demonstrations, request for proposal responses or request for information responses.

How you'll work:

• This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.

Sponsorship:

You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

Benefits at Fiserv:

• Fuel Your Life program to support your physical, financial, social, and emotional well-being.
• Paid holidays and generous time away policies.
• No-cost mental health support through Employee Assistance Programs.
• Living Proof program to recognize your peers’ extra effort with points redeemable for rewards.
• Eight Employee Resource Groups to foster a collaborative culture and expand your network.
• Unparalleled professional growth with training, development, and internal mobility opportunities.
• Medical, dental, vision, life, and disability insurance options available from day one.
• Retirement planning including 401k match and discounted shares with the Employee Stock Purchase Plan.
• Tuition assistance and reimbursement program.
• Paid parental and military leave.

Salary Range

$120,000.00 - $198,000.00

These pay ranges apply to employees in New Jersey and New York. Pay ranges for employees in other states may differ.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

For incentive eligible associates, the successful candidate is eligible for an annual incentive opportunity which may be delivered as a mix of cash bonus and equity awards in the Company’s sole discretion.

Thank you for considering employment with Fiserv.  Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact AskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

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Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.