Vice President, Payments Product Analyst

In this role you'll make an impact in the following ways:

The Vice President, Product Analyst is an integral role within the POM Product Management function. A pod‑embedded product analyst focuses on detailed business, system, and process analysis within a defined product or capability area. Partners closely with Product Owners—and supports Product Managers as needed—to translate product intent, regulatory needs, and operational requirements into clear, testable analysis and backlog‑ready stories. This role is accountable for improving story quality, reducing ambiguity and rework, and supporting audit‑ and operations‑ready delivery.​ The role requires deep domain expertise in payments processing, regulatory standards (including ISO 20022), and strong analytical capabilities to drive business transformation initiatives.

Business Analysis & Requirements Management

• Elicit, analyze, and document functional and non-functional requirements across payments initiatives, including cross-border payments, real-time processing, and clearing systems.

• Create and maintain analysis artifacts: current‑ and future‑state process flows, user journeys, decision tables, data mappings, and traceability.​

• Support backlog readiness and refinement with the Product Owner; clarify scope, acceptance criteria, edge cases, and downstream impacts for delivery teams.​

• Conduct impact analysis across adjacent workflows, systems, and controls; surface risks, dependencies, and operational constraints early.​

• Partner with testing to validate requirements and acceptance criteria; support UAT and defect triage from a business‑process perspective.​

• Maintain regulatory and audit traceability from requirements through release, ensuring required evidence and documentation are complete.​

• Contribute to launch and BAU handover by preparing process updates, standard operating procedures/work‑instructions, RACI updates, and training materials in partnership with Product and Operations.​

• Surface when analysis complexity, regulatory risk, or cross‑pod dependencies exceed pod scope and require Senior BA support.​

Payments Domain Expertise

• Provide subject matter expertise in payments processing, including SWIFT, ISO 20022 (pain/pacs/camt messages), Major Financial Market Infrastructures (FMI), Instant Payments and payment lifecycle flows.
• Ensure accurate interpretation and validation of payment message fields and business rules.
• Support initiatives related to payment modernization, regulatory compliance, and operational risk reduction.

Stakeholder Management & Collaboration

• Act as a liaison across Product, Technology, Operations, and Client Services to ensure alignment on requirements and delivery priorities.
• Facilitate workshops, backlog grooming sessions, and requirement walkthroughs with stakeholders.
• Coordinate across multiple teams to define scope, constraints, and dependencies for strategic initiatives.

Delivery & Execution Support

• Work within Agile/Scrum frameworks to support sprint planning, backlog refinement, and UAT cycles.
• Define acceptance criteria and support functional testing to ensure high-quality delivery.

• Clear written communication; crisp artifacts and acceptance criteria; strong meeting facilitation and note‑taking.​

• Time‑management and backlog‑readiness discipline; can manage multiple work items and stakeholders within a sprint cadence.​

• Track deliverables and ensure timely execution across large-scale, mission-critical programs.

• Proficiency with process modeling and analysis techniques and business/data rules capture.​

• Ability to work with data analysis tools (SQL, Excel, etc.)
• Familiarity with APIs, integration patterns, and payment processing systems

Data Analysis & Validation

• Perform data analysis, reconciliation, and validation for payment flows and transactions.
• Support troubleshooting of production issues and root cause analysis for payment failures or exceptions.
• Ensure data quality, integrity, and compliance with regulatory standards.

Risk, Compliance & Controls

• Ensure adherence to regulatory and compliance standards (e.g., SWIFT, ISO, sanctions, AML).
• Identify and mitigate operational risks in payment processes and system design.
• Contribute to strengthening controls and improving straight-through processing (STP) rates.

To be successful in this role, we're seeking the following:

• Experience in large-scale payment transformation programs or platform modernization initiatives
• Exposure to regulatory initiatives (e.g., ISO migrations, market infrastructure changes)
• Background in banking, financial services, or transaction banking.

• Bachelor’s degree in Business, Engineering, or related field. - Advanced degree preferred.

• 5-10 plus years of experience required.