Senior Analyst – Payments Business Requirements

American Express

. Serve as a key Global Serving (Bank Servicing Network) partner for strategic ACH and payment initiatives .

Posted 11/11/2026full-timeUnited StatesSenior💰 $78,000 - $124,750 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in ACH and payment processing, with a strong ability to analyze and document business requirements, translate regulatory guidelines into functional specifications, and drive cross-functional initiatives for bank modernization and process improvement.

Highest-signal resume keywords

ACH/NACHA Rules TranslationBusiness Requirements DocumentationPayment Processing AlignmentOperational Risk IdentificationCross-Functional Collaboration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Business Process AnalysisRequirements GatheringFunctional Requirements DevelopmentTesting and ImplementationData Flow Analysis

Soft Skills

Stakeholder EngagementAnalytical ThinkingProblem SolvingCommunication Skills

Industry Keywords

Bank Servicing NetworkPayment InitiativesOperational ProcessesGovernanceProcess Improvements

About the role

Key responsibilities & impact

Serve as a key Global Serving (Bank Servicing Network) partner for strategic ACH and payment initiatives
Work closely with Product, Technology, Operations, and other bank stakeholders
Own and drive business initiatives from requirements through testing, implementation, and post-launch stabilization
Gather, analyze, document, and validate business and functional requirements for bank processing systems, enhancements, and process changes
Translate ACH/NACHA rules, bank regulations, operational processes, and payment use cases into expected system behaviors, functional requirements, and acceptance criteria
Analyze current-state bank processes, system capabilities, data flows, and operational dependencies to identify gaps, risks, and opportunities for improvement
Support major bank modernization initiatives
Develop business process flows, exception scenarios, requirements documentation, and supporting materials to guide solution design and implementation
Partner with Product, Technology, and Operations to evaluate solutions and ensure alignment with payment processing requirements
Monitor evolving payment rules and business needs, assess impacts, and proactively initiate necessary changes
Identify operational risks, downstream impacts, and control considerations while driving cross-functional alignment
Support ACH governance, process improvements, and knowledge management initiatives

Requirements

What you’ll need

Benefits

Comp & perks

Competitive base salaries
Bonus incentives
6% Company Match on retirement savings plan
Free financial coaching and financial well-being support
Comprehensive medical, dental, vision, life insurance, and disability benefits
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
Free and confidential counseling support through our Healthy Minds program
Career development and training opportunities