Business Analyst – Payments (FX Expertise)

Job Title: Business Analyst FX

 Terms: Full-Time

Location:📍Charlotte | Hybrid Position

Experience Required - 4–6 years, Business Analysis

About Finzly

Headquartered in Charlotte, NC, and founded in 2012 by visionary minds shaping the future of banking and payments in the US, Finzly makes bank transformation radically simple. Our core-independent platform is trusted by some of the market’s leading financial institutions to transform operations and launch new products and services at speed.

We’ve been recognized with 20 industry awards in the last two years – including three years in a row as one of the Best and Brightest Places to Work as well as accolades for Best Parallel Core Technology, Best Corporate Payments Solution, Best Payments-as-a-Service Provider, and Best Trading System. Quite simply, Finzly is known for being the best in everything we do, giving you the perfect opportunity to grow your career with impact.

Role Overview

As a Business Analyst – Payments with Foreign Exchange (FX) expertise, you will work closely with the implementation team, onshore stakeholders, and clients to implement Finzly's Payments and FX products at banks and financial institutions. You will examine implementation and integration requirements, client processes, and operational needs to produce product definition documents, FX and payments data mapping, integration specifications, and reports. This is a hybrid, onshore role requiring regular in-person collaboration with clients and internal teams, combined with the flexibility of remote work.

Key Responsibilities

•       Partner directly with clients and stakeholders to understand and document implementation and FX/payments requirements.

•       Lead product and FX data mapping sessions, analyzing data points for currency conversion, rate feeds, settlement, and payment integrations through client discussions.

•       Author project definition documents capturing details gathered during requirements analysis, including FX trade lifecycle and payment workflow specifics.

•       Develop integration specification documents for each integration point – covering FX pricing, cross-currency payments, and downstream system transactions.

•       Coordinate and lead readiness reviews with onshore teams to confirm implementations are on track and built environments satisfy client and regulatory requirements.

•       Validate application functionality against FX and payments requirements through end-to-end integration testing, including multi-currency scenarios.

•       Triage customer defects related to FX rates, payment processing, or reconciliation, and collaborate with product and development teams on resolution.

•       Test defect fixes and confirm resolution meets defined acceptance criteria before client sign-off.

•       Act as the onshore point of contact, facilitating clear, timely communication between clients and the offshore/development teams.

Required Qualifications

·       Ability to translate client requirements into clear technical specifications for the technology team.

·       Demonstrated expertise in Foreign Exchange (FX) – including FX rates, currency conversion, cross-border/cross-currency payments, settlement processes, Swift messaging and accounting.

·       Strong knowledge of payment processing rails such as foreign exchange, ACH or Fedwire, or Instant Payments, along with a solid understanding of the payment life cycle is preferred

• Proficiency in SWIFT MT and MX message formats.

·       Good knowledge of API and the integration to upstream and downstream systems.

·       Strong analytical and problem-solving skills, with excellent communication, negotiation, and documentation abilities.

·       Well versed in working with both technology and business users in an onshore, client-facing capacity.

·       4–6 years of experience in Business Analysis and Quality Assurance, ideally within payments or financial services.

·       Hands-on experience with Jira; working knowledge of Confluence is required.

·       Comfortable working in a hybrid model, with flexibility and availability for on-site collaboration as needed.

·       Key Tools - Confluence, Lucid Chart or Visio, Postman, SoapUI, Swagger, MS Excel, Word

Work Location

This is an Onshore, Hybrid position, combining in-office collaboration with remote work flexibility. Candidates should be based locally and available to work on-site as required for client meetings, team collaboration, and project milestones.

What We Offer:

• Full Benefits Package: medical, dental, and vision coverage with HSA options!
• Healthcare FSA and Dependent Care FSA
• Company-paid Life Insurance
• Company-paid Long-Term Disability
• Paid Holidays and Generous Paid Time Off
• Retirement Savings Plan
• Short Term Disability, Critical Illness, and Accident Insurance
• Wellness Programs, including Employee Assistance Program