Payment Systems - Senior Technical Business Analyst

Company: Affina Search

Location: London

Posted: April 28th, 2026

Payment Systems - Senior Technical Business Analyst

Location: London, UK (Hybrid working available 1-2 days per week)

About Us: Our client is a leading fintech company specialising in treasury management software solutions. Their platform helps global organisations optimise their cash management, risk management, and treasury operations through cutting-edge technology and innovative solutions. They are on an ambitious journey to build the world's most advanced payment processing platform.

Role Overview: Senior Business Analyst role focusing on enterprise payment systems implementation, requiring expert knowledge of global payment formats, schemes, and processing components.

Key Technical Knowledge Required:

  1. SWIFT MT message series (MT101, MT103, MT202 incl. ACK/NACK flows)
  2. Fedwire and CHIPS formats, Regional ACH formats across different geographical regions
  3. XML and JSON payment structures (API)
  4. Cross-border payment requirements
  5. High-Value Payment Systems (HVPS)
  6. Message transformation services
  7. Payment routing engines
  8. Sanction screening integration
  9. Payment warehousing systems
  10. Format conversion services
  11. Payment status tracking
  12. Payment repair workflows
  13. Return and recall processing
  14. Duplicate checking services

Key Responsibilities:

Requirements Documentation:

  1. Write detailed user stories following the Who/What/Why format to ensure clear business value
  2. Develop comprehensive scenario-based acceptance criteria using Given/When/Then framework
  3. Partner with clients to understand their treasury management challenges and translate these into detailed user stories and acceptance criteria
  4. Create clear documentation that traces from business requirements through to technical implementation
  5. Ensure all user stories are testable and aligned with business objectives

Payment Processing Design:

  1. Specify format transformation requirements
  2. Define payment routing rules
  3. Payment Template creation and maintenance
  4. Design payment repair workflows
  5. Define payment status tracking requirements

Integration Requirements:

  1. Payment gateway integration
  2. Banking connectivity requirements
  3. Sanction screening integration
  4. Payment networks connectivity
  5. Payment status messaging
  6. Return/recall processing

Minimum Qualifications:

  1. Minimum 7 years in Payment Systems
  2. Deep understanding of payment formats and schemas
  3. Experience with payment transformation systems
  4. Knowledge of payment market infrastructures
  5. Expertise in payment processing components
  6. Strong background in payment integration

Required Skills:

  1. Expert knowledge of global payment systems
  2. Deep understanding of payment message formats
  3. Strong analytical and problem-solving capabilities
  4. Excellence in payment workflow design
  5. Advanced documentation skills
  6. Mastery of user story writing and acceptance criteria

Qualifications:

  1. Bachelor's degree in relevant discipline
  2. Payment systems certifications
  3. SWIFT certifications advantageous
  4. ISO 20022 certification beneficial

The role offers the opportunity to shape sophisticated payment processing solutions while working with cutting-edge payment technologies.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Analyst, Information Technology, and Finance

Industries: IT Services and IT Consulting and Financial Services

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