Payments & Data Tech Resources - Swift ISO / Real Time Payments

Location: Florham Park, NJ - Oniste

Please note the pointers for both requirements.

RTP: This requires real time payments experience wherein the person need to have expertise in the payments system flow of THE CLEARING HOUSE (CHIPS ), wherein the client want the solution architect to have enough understanding of the system workflow that he can independently work with on of their payment service provider to map the integration of the payment system with the clearing house.

( This requirement is immediate).

• Real Time Payments: Solutions Architect (1)
• Real Time Payments: Business System Analyst (2)

SWIFT ISO

This requirement is by the end of April max to help in the current ongoing ISO20022 format changes in SWIFT which is planned to go live in November 2025. The Solution architect should be able to work on the overall ongoing planning and execution of the ISO20022 project transition.

• Swift ISO Payments: Solutions Architect (1)
• Swift ISO Payments: Business System Analyst (2)
• Swift ISO Payments: Tech lead (1)

Req 1: Job Description: Technical Lead SWIFT ISO 20022 Change Implementation

Position Title: Technical Lead SWIFT ISO 20022 Changes
About the Role:

We are seeking an experienced and skilled Technical Lead with expertise in SWIFT ISO 20022 messaging format changes to guide the technical implementation and integration of payment systems aligned with the latest ISO 20022 standards. In this role, you will lead the technical team in designing, developing, and implementing solutions for SWIFT payments, ensuring that all changes to messaging formats, transaction types, and fields are seamlessly integrated into our payment platforms.

As a Technical Lead, you will collaborate with architects, business analysts, and other technical teams to ensure the efficient execution of the migration to SWIFT ISO 20022, from legacy messaging formats to modernized solutions. You will be responsible for overseeing the technical aspects of this transformation, including ensuring that all systems are compliant, scalable, and optimized for performance.

Key Responsibilities:

• Lead Technical Implementation: Take charge of the technical implementation of SWIFT ISO 20022 changes, leading the team in integrating new message formats, fields, and transaction types into payment systems.
• Technical Design and Development: Lead the technical design and development of payment solutions that align with the new SWIFT ISO 20022 standards. Ensure that all system components are optimized for performance, scalability, and security.
• Message Format Mapping: Collaborate with business analysts to map business requirements to the new ISO 20022 message structures. Ensure that message formats are correctly translated and integrated across different systems and platforms.
• SWIFT Messaging Expertise: Utilize your deep understanding of SWIFT payment messaging systems (MT and MX formats) to ensure that changes to SWIFT ISO 20022 are correctly implemented in payment transactions, settlement systems, and financial messaging platforms.
• System Integration: Lead the integration of SWIFT payment systems with core banking systems, APIs, settlement platforms, and third-party services. Ensure smooth communication across various systems via ISO 20022 message types.
• Testing & Validation: Oversee and assist in the testing of new message formats, ensuring that all systems are fully functional and compliant with SWIFT ISO 20022 changes. Participate in troubleshooting and resolving any issues that arise during testing.
• Team Leadership and Mentorship: Provide leadership and mentorship to development teams, guiding them in implementing best practices, coding standards, and ensuring high-quality deliverables. Foster a collaborative team environment to achieve project goals.
• Collaboration with Stakeholders: Work closely with architects, business analysts, project managers, and external partners to ensure alignment on project goals, timelines, and the successful implementation of ISO 20022 changes.
• Documentation and Reporting: Ensure thorough documentation of technical designs, integration processes, and implementation plans. Provide status updates to senior management on the progress of technical implementation and address any risks or issues.

Key Requirements:

• Experience:
  • 5-7 years of experience in a technical role with a focus on payment systems and SWIFT messaging formats, specifically ISO 20022.
  • Strong technical experience with SWIFT messaging, including both MT and MX formats, and transitioning to the ISO 20022 standard.
• Technical Expertise:
  • Deep knowledge of SWIFT ISO 20022 standards, message types, and how they integrate into payment systems.
  • Expertise in integrating payment systems with third-party platforms, APIs, and cloud-based environments (AWS, Azure).
• Development & Integration Skills:
  • Hands-on experience in system integration, including data mapping, message processing, and APIs.
  • Strong programming skills and familiarity with payment systems development languages (Java, Python, etc.), as well as integration platforms.
• Problem-Solving & Troubleshooting:
  • Strong analytical and troubleshooting skills to address and resolve technical issues in payment systems and SWIFT message formats.
  • Experience in debugging and optimizing payment processing systems to ensure high availability and performance.
• Leadership Skills:
  • Proven ability to lead and mentor a team of developers, guiding them through complex technical implementations and ensuring adherence to best practices and coding standards.
  • Excellent collaboration and communication skills, with the ability to engage with both technical and non-technical stakeholders.
• Project Delivery:
  • Experience in delivering complex projects in Agile or Waterfall environments, driving technical solutions from concept through delivery.

Req 2: Job Description: Business Analyst Payment Systems (ISO 20022, FED/CHIPS/SWIFT)

Position Title: Business Analyst Payment Systems (ISO 20022, FED/CHIPS/SWIFT)
About the Role:

We are looking for a highly experienced Business Analyst with extensive knowledge and hands-on experience in ISO 20022, FED (Federal Reserve), CHIPS (Clearing House Interbank Payments System), and payment systems. In this role, you will collaborate closely with business and technology teams to define and translate business requirements into functional specifications, helping to implement and enhance real-time payment solutions.

As a Business Analyst, you will be responsible for analyzing payment system processes, gathering requirements, and ensuring that solutions meet business needs while aligning with industry standards and regulatory guidelines.

Key Responsibilities:

• Requirements Gathering: Work closely with business stakeholders to gather and document detailed requirements for payment system solutions, particularly around FED, CHIPS, and ISO 20022 formats.
• ISO 20022 Expertise: Leverage your deep knowledge of the ISO 20022 messaging format to define, document, and ensure proper integration with payment systems like FED, CHIPS and SWIFT
• Functional Analysis: Analyze existing payment systems and recommend improvements or enhancements based on business needs and industry best practices, especially with regard to real-time payments.
• Business Process Mapping: Create process flows, business models, and workflows to ensure that payment systems are aligned with organizational objectives and regulatory standards.
• System Integration Support: Work with technical teams to translate business requirements into functional specifications, facilitating the integration of payment systems with other banking platforms, core systems, and third-party services.
• Compliance & Regulatory Analysis: Ensure that payment solutions are compliant with regulatory requirements, including those around real-time payments, anti-money laundering (AML), and data privacy laws (GDPR, PCI DSS).
• Stakeholder Communication: Serve as a bridge between business and technical teams, ensuring effective communication and understanding of requirements, issues, and solution delivery.
• Testing & Validation: Assist with UAT (User Acceptance Testing) and validate that the implemented solution meets business expectations, especially in regard to payment message formats and functionality.
• Documentation: Maintain clear and comprehensive documentation, including functional specifications, business process flows, and detailed reporting for stakeholders.
• Reporting & Analytics: Provide regular updates and reports to stakeholders on project progress, risks, and issues related to payment system enhancements or integrations.

Key Requirements:

• Experience:
  • 5-8 years of experience as a Business Analyst with a focus on payment systems, particularly with hands-on experience in ISO 20022, FED, CHIPS and SWIFT.
  • Demonstrated experience in defining business requirements for payment systems, including real-time payment processing.
• ISO 20022 Expertise:
  • Deep functional knowledge of the ISO 20022 standard and its implementation in payment systems, including message formats, transaction flows, and integration.
  • Practical experience with ISO 20022-based systems and protocols in both domestic and international payment environments.
• Payment Systems Knowledge:
  • Solid understanding of real-time payment networks such as FED, CHIPS, SWIFT, and other banking payment infrastructures.
  • Familiarity with payment processing regulations and standards such as ISO 8583, PCI DSS, AML, and GDPR.
• Business Analysis Skills:
  • Strong skills in requirements gathering, functional specifications, and business process modeling (BPMN, UML, etc.).
  • Ability to communicate complex business and technical concepts to non-technical stakeholders and senior management.
• Analytical & Problem-Solving Skills:

Strong analytical skills to evaluate and improve payment system processes, identify bottlenecks, and suggest practical solutions to meet business objectives

Req 3: Job Description: Business Analyst SWIFT ISO 20022 Change Management

Position Title: Business Analyst SWIFT ISO 20022 Changes

About the Role:

We are seeking a skilled and experienced Business Analyst with expertise in SWIFT ISO 20022 format changes. This role will focus on mapping business requirements to the recent changes and enhancements to the ISO 20022 standard, particularly in the context of SWIFT payments. You will play a crucial role in ensuring that payment system upgrades or transitions are aligned with these changes, helping the organization stay ahead of evolving payment messaging standards.

As a Business Analyst, you will analyze, document, and translate business requirements into actionable technical specifications and solutions. This position requires deep expertise in SWIFT messaging standards, ISO 20022 updates, and their impact on global payment systems.

Key Responsibilities:

• ISO 20022 Change Management: Analyze and document the latest changes to the SWIFT ISO 20022 messaging standard, particularly the updates affecting transaction types, formats, and fields, and translate these changes into actionable requirements.
• Mapping Requirements to ISO 20022: Gather, analyze, and map business requirements related to ISO 20022 changes, ensuring that payment systems and business processes are fully aligned with the new standards and protocols.
• SWIFT Messaging Expertise: Apply in-depth knowledge of SWIFT payment messaging, including MT to MX transition, and ensure seamless integration with internal systems and third-party platforms.
• Business Process Analysis: Analyze existing payment workflows, identifying areas that require updates or enhancements due to the new ISO 20022 changes. Create and update business process flows (BPMN, UML) to align with the updated messaging formats.
• Functional Specifications: Develop detailed functional specifications and documentation for the changes, including new message structures, fields, and data elements in accordance with SWIFT ISO 20022.
• Stakeholder Collaboration: Engage with key stakeholders, including product managers, technical teams, compliance officers, and external partners, to ensure alignment on ISO 20022 changes and their impact on payment systems.
• System Integration: Work with technical teams to ensure the successful implementation of changes to payment platforms, including system integration, mapping of message fields, and validation of message processing capabilities.
• Regulatory and Compliance Impact: Understand and assess the impact of ISO 20022 changes on compliance requirements, including regulatory reporting, anti-money laundering (AML), and data privacy laws.
• Training and Documentation: Support the creation of training materials and user documentation to guide teams on the new SWIFT ISO 20022 changes and help users understand the updated processes.
• Reporting & Analytics: Provide regular updates and reports to stakeholders regarding the progress of ISO 20022 changes and their impact on business operations, highlighting any risks or issues that may arise during the transition.

Key Requirements:

• Experience:
  • 5 years of experience as a Business Analyst, with a focus on payment systems, particularly with SWIFT ISO 20022.
  • Proven experience with the SWIFT messaging system, including knowledge of MT and MX messages and the transition to ISO 20022.
• ISO 20022 Expertise:
  • Deep understanding of the ISO 20022 standard and its evolution, including the latest changes to the SWIFT ISO 20022 format and messaging specifications.
  • Expertise in mapping business requirements to the new ISO 20022 messaging structure, including message types, fields, and transaction flows.
• SWIFT Payments Knowledge:
  • Strong knowledge of SWIFT payment systems, including the MT and MX message types, and their implementation in real-time payments and financial messaging.
  • Familiarity with SWIFT's ISO 20022 migration roadmap and its impact on global payments.
• Business Analysis Skills:
  • Strong skills in requirements gathering, functional specification writing, and business process modeling (BPMN, UML).
  • Experience in translating complex business and technical requirements into clear, actionable documentation for development and implementation.
• Compliance & Regulatory Understanding:
  • Knowledge of regulatory requirements related to payments systems, including AML, KYC, GDPR, and other industry standards.
  • Understanding of how ISO 20022 changes align with regulatory reporting and compliance requirements for financial institutions.
• Analytical & Problem-Solving Skills:
  • Strong analytical skills to evaluate changes in the ISO 20022 standard and assess their business impact, identifying and solving issues efficiently.
  • Ability to troubleshoot and resolve issues related to SWIFT message processing and formatting.

Req 4: Real Time Payments: Solutions Architect (1)

Job Description: Solution Architect - Real-Time Payment Systems (FED/CHIPS/SWIFT)

Position Title: Solution Architect Real-Time Payment Systems
Location: USA
Department: Payments Technology

About the Role:

We are seeking an experienced Solution Architect with deep functional knowledge and hands-on experience in real-time payment systems, specifically with FED (Federal Reserve), CHIPS (Clearing House Interbank Payments System), and SWIFT. This role requires expertise in designing and implementing end-to-end solutions for real-time payment processing, including strategic architecture planning, functional design, and system integration.

As a Solution Architect, you will collaborate with cross-functional teams, including business stakeholders, developers, and operations, to design scalable, secure, and high-performance payment solutions that align with business needs and industry standards.

(Knowledge of pagoNext and CHIPS is preferred)

Key Responsibilities:

• Solution Architecture: Lead the design and architecture of real-time payment solutions using FED, CHIPS, and SWIFT. Define technical requirements, ensure system scalability, security, and high availability for payments processing environments.
• Functional Expertise: Leverage deep functional knowledge of real-time payment systems to advise on best practices and innovative solutions. Understand regulatory requirements and industry standards for payments (knowledge of CHIPS / FED wire is must), ensuring compliance.
• Technical Leadership: Provide guidance and mentorship to development teams, ensuring that solutions are implemented according to architectural guidelines and industry standards.
• Stakeholder Collaboration: Engage with business stakeholders, product managers, and other teams to understand business needs and translate them into functional and technical requirements.
• End-to-End Design: Design end-to-end payment flows from transaction initiation to settlement, ensuring smooth and efficient operations across various real-time payment networks.
• Documentation: Prepare and maintain detailed architectural documentation, including design specifications, data flow diagrams, and system interfaces. Communicate design decisions effectively to both technical and non-technical stakeholders.

Key Requirements:

• Experience:
  • At least 7-10 years of experience in payment systems architecture with a focus on real-time payments, including hands-on experience with FED, CHIPS, and SWIFT.
  • Proven experience as a Solution Architect or a senior role in payment systems or financial services technology.
• Functional Knowledge:
  • Strong functional knowledge of real-time payment systems and protocols (including transaction flows, settlement, and reconciliation processes).
  • Familiarity with the Federal Reserve's Real-Time Payment Network, CHIPS, and SWIFT messaging protocols and services.
• Technical Skills:
  • In-depth understanding of payment system architectures, API integrations, and modern payment processing technologies.
  • Expertise in payment network standards such as ISO 20022, ISO 8583, and other messaging formats used in the payment industry.
• Leadership & Communication:
  • Excellent problem-solving and leadership skills, with a proven track record of managing complex solution architecture projects.
  • Ability to communicate complex technical concepts to non-technical stakeholders and senior management.
  • Strong interpersonal and collaboration skills to work effectively with cross-functional teams.

Preferred Qualifications:

• Experience in working with global payments infrastructure and standards.
• Knowledge of real-time payment systems in USA region and regulatory environments.

Req 5: Job Description: Solution Architect SWIFT ISO 20022 Change Implementation

About the Role:

We are looking for an experienced and highly skilled Solution Architect with expertise in SWIFT ISO 20022 messaging format changes to lead the design, integration, and implementation of payment solutions aligned with the latest standards. As a Solution Architect, you will play a critical role in translating the recent SWIFT ISO 20022 changes into actionable and scalable solutions that ensure seamless integration, compliance, and efficiency across payment platforms.

You will be responsible for designing, architecting, and overseeing the implementation of solutions that address the evolving needs of the payment systems, including managing the transition from legacy messaging standards to ISO 20022. You will collaborate with both business and technical teams to define the architecture for new and updated payment systems, ensuring they are compliant with ISO 20022 changes.

Key Responsibilities:

• Solution Architecture for ISO 20022 Changes: Lead the design and architecture of payment solutions aligned with the latest SWIFT ISO 20022 messaging standards. Ensure that the solutions are scalable, secure, and efficient while accommodating the changes in the messaging formats, transaction types, and fields.
• Mapping Business Requirements to ISO 20022: Work closely with business stakeholders to understand the impact of ISO 20022 changes on payment processes and translate these business requirements into technical solutions. Map new SWIFT ISO 20022 message formats to business processes, ensuring seamless integration with internal and external systems.
• SWIFT Messaging & Integration: Design the architecture for SWIFT messaging systems, including the transition from MT to MX formats, ensuring smooth integration with core banking systems, settlement platforms, and third-party services.
• End-to-End Payment Flow Design: Architect and define end-to-end payment transaction flows that incorporate the new SWIFT ISO 20022 message types, fields, and formats. Ensure that the systems handle high transaction volumes with speed, security, and compliance.
• System Integration: Lead the integration of payment platforms with existing systems, ensuring that the new ISO 20022 changes are properly mapped, processed, and validated across all systems. Ensure smooth communication between systems via APIs, message queues, and other integration protocols.
• Compliance & Regulatory Adherence: Ensure that the architecture is compliant with relevant financial regulations, including anti-money laundering (AML), data privacy (GDPR), and other industry standards. Design solutions that support regulatory reporting in line with the updated SWIFT ISO 20022 format.
• Technical Leadership: Provide guidance and mentorship to development and implementation teams, ensuring the technical solutions meet business requirements and ISO 20022 specifications. Lead the technical design and provide direction on best practices for implementation.
• Stakeholder Engagement: Collaborate with business stakeholders, product managers, compliance teams, and e

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