Business Analyst – Real-Time Payments

Be at the heart of transforming visions into market-ready products, while you navigate through and solve complex challenges. In this dynamic environment, you ensure smooth product delivery and support change initiatives, marking a significant step in your career growth and innovation journey. As a Senior Product Delivery Associate in G lobal Cash Operations & Transformation (COT) team , you are trusted with enabling the delivery of products in a stable and scalable way. Work with cross-function teams, build key relationships, and enable the product to continuously deliver value. You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products. You will also work in a dynamic environment where responsibilities may evolve to meet business needs.

Collaborates with the Product Delivery Manager to execute on key delivery tasks and identify ways to boost efficiencies Supports the completion of change management activities across functional partners and monitors adherence to the firm’s risk, controls, compliance, and regulatory requirements Raises blockers and other impediments to the Product Delivery Manager to manage dependencies and ensure adequate resources Collaborate with Operations, Product, and Technology to deliver scalable and resilient Real-Time Payments capabilities. Lead requirements discovery and translate business needs into functional flows, use cases, acceptance criteria, and delivery requirements in JIRA. Run daily POD calls and document payment journeys, processing steps, and exception scenarios. Assess operational impacts and design future-state processes, Target Operating Models, ownership, controls, and escalation paths. Identify risks (operational, regulatory, fraud, sanctions, liquidity, accounting, reconciliation) and define sustainable controls and mitigations. Develop and review testing scenarios with Operations, Product, and Technology, aligned with regional processes. Drive operational readiness, implementation planning, and go-live support. Facilitate workshops, resolve requirements gaps, communicate decisions and delivery status, and identify automation opportunities using AI. Maintain program artifacts, deliverables, milestones, and RAID logs. Required qualifications, capabilities, and skills 3+ years of experience or equivalent expertise in product management or a relevant domain area Demonstrated performance in either product management or relevant domain area Experience executing operational management and change readiness activities Experience in product deployment processes 6+ years’ experience in financial services payments delivery, including direct RTP scheme experience. Self-starter with strong execution discipline and stakeholder management skills. Builds trusted relationships, influences decisions, and aligns cross-functional teams. Proficient in using AI tools to improve processes and identify automation opportunities. Collaborative team player who shares knowledge to enhance ways of working. Strong understanding of end-to-end payment processing, operational risk, and controls. Structured problem-solver with attention to detail and proficiency in JIRA, Excel, PowerPoint, and process-mapping tools. Preferred qualifications, capabilities, and skills Developed knowledge of the product development life cycle Knowledge of ISO 20022 messaging and payment flows, including initiation, status, returns, investigations, reconciliation and reporting. Experience with APIs, webhooks, host-to-host files, digital payment platforms, sanctions, fraud, transaction limits, liquidity, reconciliations and exception processing. Experience in Corporate and Investment Bank operations, process automation and transformation, with familiarity of Monday.com, Alteryx, Tableau and responsible AI-assisted analysis. Experience supporting more than one CCB Operations