Job Description

Strong knowledge of payment rails: wires, ACH, instant payments, and emerging networks. Understanding of end-to-end payment lifecycle, including initiation, enrichment, routing, posting, reconciliation, and settlement. Strong knowledge of enrichment and qualifications functions: Transaction classification, Payment's parties' validations, determination and enrichment, Cut-off and Value Date Validations, Method of Payment Determination, FX Determination, Instruction Permission Logic, Cancellation Validation Experience defining requirements for exception handling and cancellation workflows. Deep understanding of cross-border payments, correspondent banking, and global payment schemes (e.g., SWIFT, SEPA, Fedwire, CHAPS). Familiarity with ISO 20022 and legacy messaging standards (MT messages). Awareness of regulatory requirements (e.g., AML, sanctions screening, FATF, PSD2, Travel Rule, etc.) Deep understanding of the end-to-end lifecycle of charges evaluation, charges rules configuration, and execution outcomes, ensuring accurate fee application across diverse payment types. Deep understanding of charging methods: deductions, hard charges, end of month billing, senders and receiver prepaid charges, surcharges, etc. Experience as a Product Owner in Agile/Scrum environments, with a solid grasp of Agile principles, ceremonies and backlog prioritization/management. Ability to write clear and actionable user stories, define acceptance criteria, and manage a product backlog. Strong stakeholder management skills - capable of balancing the needs of operations, compliance, IT, and clients. Experience collaborating with development teams, testers, and business SMEs to deliver high-quality solutions. Strong analytical and problem-solving skills, with ability to work cross-functionally across business and technical teams. Ability to analyze trends and use data to inform product decisions and drive operational efficiency. Proficiency with tools like JIRA, Confluence, Excel, and data visualization tools. Strong communication and documentation skills - able to translate complex payment processes into business and technical requirements. High attention to detail, especially in compliance- and risk-sensitive environments. Strong problem-solving mindset and ability to work independently in a fast-paced, high-pressure setting. Comfortable working in a global, cross-functional team and across different time zones Bachelor's degree or work experience equivalent 10+ years of experience in transaction banking, with at least 5-7 years in a Product Owner, Product Manager, or Business Analyst role. Proven experience working on payment processing.

Skills Required