Payment Analyst

Location:

Dallas TX, Cleaveland OH, Pittsburgh PA, charlotte , NC

Payment Consultant to be deployed on a strategic Bank Clients Treasury Management engagement. This role demands a seasoned treasury payments professional who brings hands-on experience from top-tier U.S. banking institutions
) with a comprehensive, end-to-end understanding of Banking treasury payment ecosystems — from payment initiation, file formatting, and transmission through clearing, settlement, reconciliation, exception handling, fraud controls, sanctions screening, and regulatory reporting.

The consultant will serve as a subject matter expert on Banking Client’s payment operations, advising on the digital payment transformation, optimization of cash conversion cycles, working capital management. The consultant will collaborate with Bank’s Product Teams, Technology, and Incedo’s delivery organization to deliver tailored treasury solutions that drive client satisfaction and operational excellence.

The candidate must have worked in Treasury Services / Treasury Management as Payment consutant at one or more top U.S. banks

The candidate must demonstrate an end-to-end understanding of treasury payments
, encompassing payment initiation, file formatting and transmission, clearing and settlement across all major rails (ACH, Fedwire, CHIPS, SWIFT, RTP®, Fed Now®), reconciliation, exception and investigation handling, fraud controls, sanctions screening, and regulatory compliance.

• Serve as the primary treasury payments subject matter expert (SME) on the Bank client engagement, providing deep functional analysis of payment products, workflows, and operational processes across all payment rails.
• Conduct comprehensive end-to-end analysis of bank client's treasury payment lifecycle and Payment modernization initiatives — covering payment initiation (via Online Banking platform for corporate clients, API, file upload, SWIFT, and ERP channels), message formatting ( ISO 20022, EDI, Rail specific formats like NACHA), clearing and settlement (ACH/Fedwire/CHIPS/RTP/Fed Now), reconciliation, exception handling, and regulatory reporting.
• Perform detailed functional assessments of clients’, payables and receivables workflows, and payment infrastructure to identify optimization and modernization opportunities.
• Maintain expert-level domain knowledge of treasury management products including liquidity management, cash concentration and disbursement, controlled disbursement, lockbox services, ACH Positive Pay, and fraud mitigation tools.
• Develop and present tailored payment solution proposals to Bank’s corporate and institutional clients, encompassing ACH (same-day and standard), domestic and international wire transfers, Real-Time Payments (RTP®), Fed Now®, card-based disbursements, integrated payables, and integrated receivables
• Analyse payment processing metrics, SLA adherence, transaction success rates, and failure/return patterns to generate actionable insights and business intelligence for Banks’s Treasury Management leadership.
• Advise on emerging payment trends including embedded finance, open banking APIs, digital wallets, and the convergence of real-time payment networks.

• Collaborate with technical teams to ensure accurate mapping of business rules, data flows, and system interfaces. Validate end-to-end solution design across upstream and downstream systems.
• Partner with Bank’s Technology and Implementation teams to architect end-to-end payment integration solutions, ensuring seamless connectivity between Online Banking Platform for corporate clients, core banking systems, ERP platforms (SAP, Oracle Net Suite, Microsoft Dynamics 365, Workday), and external payment networks.
• Contribute to the design and implementation of payment processing solutions, including configuring payment flow orchestrations, building connectors to internal and external systems, and defining message mapping rules for ISO 20022, SWIFT MT/MX, and NACHA formats.
• Design multi-channel payment solutions leveraging ACH origination and receipt, domestic…