Senior Lead Payments Systems Business Analyst

About this role:
Wells Fargo is seeking a Business Analyst to support critical initiatives within the Global Payments & Liquidity Treasury Technology organization. This role focuses on requirements analysis, payment-domain expertise, and collaboration across technology and business teams to ensure successful delivery of payment capabilities.
Responsibilities

• Work with product owners, business partners, and technology teams to gather, analyze, and document business requirements, process flows, and functional specifications.
• Translate business needs into clear, actionable user stories, acceptance criteria, and functional requirements for engineering teams.
• Assess impacts of new features, regulatory changes, and modernization initiatives on existing payment flows and system components.
• Participate in solution discussions with architects and engineers, ensuring requirements align with enterprise standards and system capabilities.
• Support testing efforts (system testing, UAT, regression), create test scenarios, validate outcomes, and facilitate defect triage.
• Collaborate cross-functionally on changes related to payment processing, ISO 20022 readiness, routing logic, and application configuration.
• Analyze production issues, assist with root-cause identification, and recommend improvements to workflows and operational processes.
• Support documentation updates, process improvements, release readiness activities, and user onboarding as needed.
• Partner with distributed teams across multiple time zones and help ensure clarity, alignment, and timely delivery.

Required Qualifications

• 4+ years of experience as a Business Analyst, Systems Analyst, or in a related role within technology or financial services
• 4+ years experience presenting to senior and executive management

Desired Qualifications

• Experience with payment systems such as ACH and/or Wires.
• Strong understanding of the global payments domain and clearing networks (FED, CHIPS, CHAPS, TARGET, SWIFT).
• Experience participating in ISO 20022 implementation or migration projects.
• Strong knowledge of various payment message formats including:
  • ISO 20022: PACS, PAIN, CAMT
  • SWIFT MT series (MT1xx, MT2xx, MT9xx, as applicable)
• Well versed with market directory files like SwiftDirectroty, BicdirectroyPlus files.
• Experience supporting NFR-related validation such as resilience, RTO/RPO, or high-availability testing
• Ability to collaborate effectively in distributed and virtual team environments.
• Strong attention to detail, documentation skills, and experience managing multiple workstreams simultaneously
• Understanding of ACI MTS concepts including routing rules, remote records, and line configurations (awareness-level)
• Experience translating business requirements into technical specifications or user stories
• Strong analytical, problem-solving, and communication skills.
• Understanding of microservices, middleware, messaging concepts (JMS, Kafka), and system integration fundamentals
• Working knowledge of ACI UPF, including:
  • Payment routing logic and message orchestration
  • Endpoint & Bank Adapter concepts
  • Processing rules, cartridges, and flow monitoring
  • UPF Control Center dashboards and operational insights
  • Familiarity with ISO 20022 message structures and UPF 5.x flows

Job Expectations

• Ability to work onsite at one of the posted locations
• Relocation assistance is not available
• Sponsorship not available for this role

Posting Locations:

• 300 S Brevard St. Charlotte, NC 28202
• 194 Wood Ave S, Iselin, NJ 08830
• 2800 S Price Rd., Chandler, AZ 85286
• 125 High St.-Boston, Massachusetts 0211

Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.
$139,000.00 - $260,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:
21 Feb 2026
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.