Senior Functional Payments Business Analyst / SME

Project overview

Tasks and Responsibilities

Must-Have Skills

TRAVIC-Payment-Hub Focus

Desirable Skills

Expected Results / Deliverables

Selection Criteria for Provider Profiles

Seniority Senior / Lead

Experience 8–15 years

Deployment Model Hybrid in Germany

Language German C2, English B2

• Lead discovery and requirements workshops with Operations, Product, Compliance, Architecture, and IT.
• Create functional concepts, user stories, acceptance criteria, process models, and traceability.
• Conduct gap, impact, and fit-to-standard analyses, and define the target functional process.
• Interpret scheme rulebooks and provide functional support for ISO 20022 mappings.
• Functionally steer SIT/UAT, defect triage, and acceptance of end-to-end payment flows.
• Mentor other business analysts and ensure consistent BA standards.
• Deep knowledge of national and cross-border payments, clearing, settlement, exceptions, and reconciliation.
• Very good knowledge of ISO 20022, SWIFT MT/MX, SEPA, Instant Payments, and RTGS.
• Advanced requirements elicitation, BPMN, functional solution design, and agile backlog work.
• Experience with compliance checkpoints such as AML and Sanctions Screening.
• Several years of functional project experience with PPI TRAVIC-Payment Hub is mandatory.
• Confident analysis and specification of payment routing, validation, transformation, enrichment, screening integration, repair, and dispatch.
• Ability to reconcile TRAVIC configuration and functional process variations with product standards, interfaces, and operational processes.
• Basic SQL knowledge and experience with API specifications.
• Knowledge of other payment hubs for structured product comparison.
• CBAP, PSPO, CSM, or payments-specific qualification.
• Agreed functional concepts and end-to-end process models.
• Prioritized backlog with testable acceptance criteria.
• Message mapping and business rule specifications.
• Traceability matrix and functional test and acceptance basis.
• At least two concrete TRAVIC-Payment-Hub references with functional scope of responsibility.
• Description of responsible payment schemes and message types.
• Examples of created specifications, without confidential customer data.

Project details

• Start: 2026-11
• Duration: 18 Monate
• Remote: hybrid
• Location: München, Deutschland, DE
• Languages: German