Senior Associate: Business Analyst – Payments (SWIFT & Global Plus)
Location: United States (Remote)
About Cognizant
Cognizant (NASDAQ: CTSH) is one of the world’s leading professional services companies, transforming clients’ business, operating, and technology models for the digital era. With a global footprint across multiple industries, Cognizant helps organizations modernize technology, reimagine processes, and transform experiences to stay ahead in a rapidly changing world.
Our Consulting practice partners with senior leaders at global enterprises to drive strategic transformation programmes across banking, capital markets, payments, and financial services. We combine deep industry expertise with technology-led innovation to deliver measurable business outcomes.
About the Role
We are seeking an experienced Business Analyst – Payments to support large-scale transformation initiatives within global banking and payments ecosystems. The ideal candidate will bring deep expertise in SWIFT messaging (MT/MX, ISO 20022) and hands-on experience working with the Global Payments Plus (GPP / Global Plus) platform.
You will play a key role in analyzing complex payment message flows, ensuring regulatory compliance, and partnering cross-functionally to deliver high-quality, scalable solutions in a fast-paced consulting environment.
Key Responsibilities
- Analyze, document, and validate SWIFT payment message flows, including MT and MX formats within Global Plus implementations
- Perform detailed impact analysis and data mapping to support ISO 20022 migration and structured address requirements
- Collaborate with business, operations, and technology teams to gather and refine requirements
- Translate business requirements into clear functional specifications and process documentation
- Support system testing, validation, and troubleshooting, ensuring accurate payment processing outcomes
- Ensure adherence to regulatory requirements and industry standards, including ISO 20022 compliance
- Communicate effectively with stakeholders on system behavior, message standards, and changes in compliance requirements
Required Qualifications
- 10+ years of experience as a Business Analyst within banking or financial services, with a strong focus on payments
- Deep expertise in SWIFT messaging (MT/MX formats) and ISO 20022 standards
- Hands-on experience with Global Payments Plus (GPP / Global Plus) or similar payments platforms
- Strong understanding of payment processing workflows, settlement processes, and compliance requirements
- Proven ability to perform data mapping, impact assessments, and validation activities
- Experience working in Agile or hybrid delivery environments
- Excellent stakeholder management and communication skills
Preferred Qualifications
- Prior consulting experience working with tier-1 banks or large financial institutions
- Exposure to payment modernization or ISO 20022 migration program
- Familiarity with end-to-end payments lifecycle (wire, cross-border, clearing systems, etc.)
Work Mode
This role is Remote (USA-based). Candidates must be authorized to work in the United States without employer sponsorship, now or in the future.
Compensation
The annual salary for this position is expected to be between $86,000 USD - $101,000 USD, depending on experience, qualifications, and location. This role may also be eligible for performance-based incentives and bonuses.
Benefits
- Comprehensive health, dental, and vision coverage
- Retirement savings plans with employer contributions
- Paid time off, including vacation and holidays
- Employee wellness and assistance programs
- Learning and development opportunities, including certifications and upskilling
- Flexible, remote-first work environment
Equal Opportunity Employer Statement
We are an equal opportunity employer and are committed to fostering an inclusive and diverse workplace. All qualified applicants will receive consideration without regard to race, color, religion, gender, sexual orientation, national origin, disability, or veteran status.
Application Deadline
Applications for this role will be accepted until 4 July 2026.
关于高知特 (Cognizant)
高知特(Cognizant)（纳斯达克代码：CTSH）作为一家AI Builder和相关技术服务提供商，致力于通过打造全栈AI解决方案，帮助企业将人工智能投资转化为实际价值。公司凭借深厚的行业经验、流程优化和工程技术专长，将企业独特的业务场景融入科技系统，赋能组织释放人才潜能，推动切实成果，并帮助全球企业在瞬息万变的环境中保持领先。如需了解更多详情，敬请访问 cognizant.ai 或关注@cognizant。
补充雇佣信息
薪酬信息截至本职位发布之日为准。Cognizant 保留在适用法律允许的范围内随时修改该信息的权利。
申请人可能需要通过现场面试或视频会议的方式参加面试。此外，候选人在每次面试时可能需要出示其当前所在州或政府签发的有效身份证件。
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