Business Analyst – Payments

First American

. Develop understanding of end-to-end bank payment processes across ACH, domestic and international wires, instant payments, and other payment rails .

Posted 10/13/2026full-timeSanta Ana • California • United StatesJuniorMid-Level💰 $73,900 - $98,500 per yearWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in analyzing and improving bank payment processes across various payment rails, including ACH and wire transfers, while effectively collaborating with cross-functional teams to enhance operational efficiency and compliance. Proficient in developing reporting metrics and process documentation to support payment operations and drive continuous improvement initiatives.

Highest-signal resume keywords

Payments OperationsProcess MappingRoot-Cause AnalysisPayment Processing ConceptsAdvanced Microsoft Excel

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Payment AnalysisOperational ReportingBusiness Requirements DocumentationData InterpretationFraud AnalysisPayment Transaction Data AnalysisProcess ImprovementOperational ControlsCapacity AnalysisPayment Workflow Analysis

Soft Skills

Analytical SkillsProblem-SolvingAttention to DetailCommunication SkillsCollaboration

Certifications & Qualifications

AAPAPRPAFPPCTP

Industry Keywords

Bank PaymentsTreasury ManagementFinancial ServicesACH ProcessingWire TransfersInstant PaymentsPayment FraudOperational RiskNacha Operating RulesPayment Controls

Tech Stack

Tools & technologies

Ruby on Rails

About the role

Key responsibilities & impact

Develop understanding of end-to-end bank payment processes across ACH, domestic and international wires, instant payments, and other payment rails
Analyze payment workflows to identify operational gaps, inefficiencies, manual processes, capacity constraints, control opportunities, and improvement areas
Analyze payment volumes, values, exceptions, returns, rejects, processing times, service levels, manual interventions, and other operational data
Develop reporting, metrics, dashboards, and management information for payment operations
Perform root-cause analysis of recurring payment issues
Evaluate processes across payment rails for consistency, standardization, efficiency, and scalability
Support payment-related process improvement initiatives from identification through implementation and results measurement
Partner with Payments Operations, program owners, subject matter experts, Risk/Compliance, Treasury Management, Product, Technology, Finance, and other business areas
Document current-state payment processes and help design future-state processes
Support implementation of new payment capabilities, rails, services, processes, and enhancements
Define business and operational requirements for payment products, processes, and services
Assess operational readiness, including procedures, controls, staffing, training, reporting, exception handling, and support requirements
Participate in business and operational testing and implementation of payment-related changes
Develop and maintain process maps, business requirements, procedures, training materials, and operational documentation
Support evaluation of operational impacts from payment rule, regulatory, industry, product, or volume changes
Support payment-related audits, examinations, risk assessments, and remediation activities
Analyze aggregate fraud activity, losses, recoveries, and trends with the Fraud & Claims function
Facilitate meetings and working sessions and drive issues and action items through resolution
Recommend improvements to management regarding payment processes, capacity, reporting, controls, service delivery, and continuous improvement

Requirements

What you’ll need

BA/BS degree or equivalent work experience
2-5 years of directly related experience in payments, banking operations, Treasury Management, business analysis, financial services, or a similar field
Strong analytical and problem-solving skills
Ability to understand complex transaction flows and operational processes
Ability to organize, analyze, interpret, and present data effectively
Advanced Microsoft Office skills, particularly Excel
Experience gathering and documenting business and operational requirements
Ability to develop clear process documentation, analysis, and recommendations
Excellent written and verbal communication skills
Strong attention to detail and ability to work effectively in an operational environment where accuracy, timeliness, and controls are important
Ability to work independently and collaborate across multiple business and control functions
Experience in bank payments, payment operations, deposit operations, Treasury Management, or financial services
Working knowledge of multiple payment rails, including ACH, wire transfers, and/or instant payments
Experience analyzing payment transaction data, volumes, exceptions, processing performance, or operational trends
Knowledge of payment processing concepts including initiation, authorization, settlement, exceptions, returns, reconciliation, transaction limits, and operational controls
Familiarity with ACH processing and Nacha Operating Rules
Experience with domestic and/or international wire transfers
Knowledge of instant payments, including the FedNow Service and/or RTP network
Familiarity with payment fraud, operational risk, and payment controls
Experience supporting implementation of a new payment product, payment rail, or significant operational change
Experience with process mapping, root-cause analysis, operational reporting, procedure development, testing, and implementation
Experience supporting high-volume payment operations or significant growth in payment transaction volumes
AAP, APRP, AFPP, CTP, or other relevant payments certification is preferred but not required

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
401(k)
PTO/paid sick leave
Employee stock purchase plan
Inclusive workplace culture
Equal opportunity employment