Technical Business Analyst ACH Technologies

Position: Technical Business Analyst - Payments & ACH Technologies
** Technical Business Analyst - Payments & ACH Technologies*
* *
* Location:

** Charlotte, NC (Hybrid - 2 to 3 days/week onsite)

** Duration:
** 6-Month Contract (Strong potential for extension)

** Pay Rate:**  $55.00 - $65.00/hr W2 (Strictly W2 Only - No C2C, 1099, or Sub-Contracting)

** POSITION OVERVIEW*
* We are seeking a versatile  
** Technical Business Analyst
** with deep domain expertise in  
** Automated Clearing House (ACH)
** processing and core banking payment workflows to join an enterprise Payments & Deposits Technology team.

This role requires a balanced  
** 50/50 mix of functional business analysis and technical systems execution** . You will serve as the key liaison between product owners, compliance teams, and middleware/backend integration engineers, driving the refinement, technical mapping, and validation of high-volume ACH payment engines, deposits platforms, and transaction processing systems.

** KEY RESPONSIBILITIES*
* +  
** Technical Requirement Gathering & Documentation:
** Partner with business, compliance, and engineering teams to translate complex ACH payment rules, NACHA guidelines, and deposit processing needs into detailed technical user stories, API specifications, and data flow diagrams.

+  
** Data Mapping & Interface Analysis:
** Conduct end-to-end data element mapping for ACH file processing (e.g., NACHA file structures, SEC codes, Nacha IATs, ISO 20022 message flows), payment APIs, and core deposit database tables.

+  
** Technical Systems Validation & SQL Querying:
** Write and execute intermediate-to-advanced SQL queries across relational databases to analyze payment data, research settlement exceptions, validate transaction states, and support integration testing.

+  
** Payment Engine & API

Collaboration:

** Work directly with middleware, integration bus (e.g., IBM ACE/MQ), and API developers to define data transformations, payload schemas (JSON/XML), and error-handling protocols for core payment flows.

+  
** SDLC & Agile Delivery:
** Active participation in Agile/Scrum sprint ceremonies, grooming backlogs, defining acceptance criteria, and supporting UAT/production checkout for high-priority payment releases.

** REQUIRED SKILLS & QUALIFICATIONS*
* +  
** Domain Expertise (Must-Have):
** 3+ years of direct experience working within  
** ACH (Automated Clearing House)** , NACHA rules, core deposit systems, or enterprise payment processing architectures.

+  
** Technical Capabilities:
** Proven experience conducting data mapping, reading API endpoints (REST/SOAP, JSON/XML), and executing  
** SQL queries
** for data analysis and database validation.

+  
** Role Balance:
** Demonstrated ability to operate comfortably in a hybrid 50% functional / 50% technical capacity-communicating effectively with both business executives and backend integration engineers.

+  
** Tools & Methodologies:
** Hands-on experience in Agile environments utilizing  
** Jira, Confluence** , and standard SDLC delivery framework tools.

+  
*
* Education:

** Bachelor's degree in Computer Science, Information Systems, Business Administration, Finance, or equivalent work experience.

** WORKING CONDITIONS & ELIGIBILITY*
* +  
** Work Arrangement:
** Hybrid schedule in  
** Charlotte, NC**  (2-3 days onsite per week).

+  
*
* Employment Type:

** Direct W2 Contract only (C2C, 1099, and referrals are strictly prohibited).

** Upon completion of waiting period consultants are eligible for:*
* + Medical and Prescription Drug Plans

+ Dental Plan

+ Vision Plan

+ Health Savings Account

+ Health Flexible Spending Account

+ Dependent Care Flexible Spending Account

+ Supplemental Life Insurance

+ Short Term and Long Term Disability Insurance

+ Business Travel Insurance

+ 401(k), Plus Match

+ Weekly Pay

If this is a role that interests you and you'd like…