IT Business Analyst – Cross-Border

About the Role We are seeking a Senior Business Analyst specialising in cross-border and alternative payments to support a major bank client in expanding into new countries and payment rails. This role is central to delivering compliant, scalable, and interoperable payment solutions across ACH, Instant Payments, Wallets, Cards, and local clearing systems.

You will act as the bridge between product, technology, operations, compliance, and external partners — ensuring payments are built right the first time.

Key Responsibilities

Payments & Domain

• Lead business analysis for cross-border and local payments initiatives across ACH, Instant/RTP, wallet-based, and card-based payment rails.
• Map end-to-end payment journeys across initiation, processing, clearing, settlement, and reconciliation.
• Analyse and maintain payment payload specifications including mandatory vs optional fields, country-specific regulatory requirements, and scheme/rail-specific data constraints.
• Translate regulatory, compliance, and scheme rules into clear business and functional requirements.

Regulatory & Compliance

• Ensure compliance with local central bank requirements, AML/CFT/Sanctions data needs, and data residency rules per country.
• Collaborate with Compliance, Legal, and Financial Crime teams to embed requirements into payment designs.
• Support regulatory submissions, audits, and scheme onboarding with accurate documentation and data mappings.

Delivery & Stakeholder Management

• Own Business Requirement Documents (BRDs), Functional Specs, and Data Mapping documents.
• Act as the payments SME in delivery squads and cross-functional forums.
• Support technology teams through API design and payload validation, scheme certification testing, and UAT through to go-live.
• Coordinate with external stakeholders including schemes, correspondent banks, and PSPs.

Documentation & Governance

• Maintain payment rulebooks, data dictionaries, and scheme playbooks.
• Ensure standardisation while accommodating country- or rail-specific deviations.
• Identify gaps, risks, and dependencies early and escalate proactively.

Required Experience

Essential

• 7–10+ years as a Business Analyst with a strong focus on payments.
• Proven experience in cross-border payments and multi-rail payment environments.
• Hands-on involvement with payment payloads, ISO formats, APIs, or message specifications.
• Strong working knowledge of ACH, local clearing systems, Instant/RTP schemes, and wallet or alternative payment methods.
• Experience working in or with banks, PSPs, FinTechs, or payment schemes/clearing houses.

Strongly Preferred

• Experience in market expansion and new country onboarding.
• Exposure to ISO 20022, legacy formats, or proprietary scheme specifications.
• Background working closely with Compliance or Financial Crime teams.
• Experience in regulated environments — Tier-1 bank background is a strong advantage.

Key Skills

• Cross-border & multi-rail payments
• Payment lifecycle (initiation → settlement)
• ISO 20022 & payment message specifications
• API specs & data mapping
• BRD & functional specification writing
• AML/CFT regulatory alignment
• Stakeholder management across business, tech, and compliance
• Scheme rules & operating procedures
• Exception handling & payment failure analysis

Job Type: Contract
Contract length: 12 months

Pay: QAR20,000.00 - QAR22,000.00 per month

Work Location: In person