Sr. Payment Analyst – Wire Operation.

Skills and Qualification –

• Candidate should have minimum 4 Years of work experience in Payment Processing
• Advanced knowledge of: Wires Systems, core banking platforms, compliance and fraud screening tools
• Ability to lead or coordinate projects
• Familiarity with write transfer systems: Fedwire, SWIFT, CHIPS
• Understanding of risk-mitigation in high-value transaction processing
• Experience using bank platforms, Fiserv, FIS, Finastra or similar core banking systems
• Strong interpersonal skills and ability to communicate with internal and external clients in a clear and concise manner
• Proficiency in bank account validation, exception handling, reconciliation, and settlement processes.
• Strong analytical and problem-solving skills for resolving payment failures, variances, and investigations.
• Understanding fraud control mechanisms, OFAC/AML compliance, and risk-mitigation procedures.
• Excellent attention to detail, accuracy, and adherence to internal controls and dual authorization workflows.
• Strong communication skills for interacting with banks, vendors, auditors, and internal stakeholders.
• Ability to operate in high-volume, deadline-driven environments while maintaining accuracy.

Key Deliverables:

• Wire Processing and Oversight: Process and authorize complex domestic and international wires; ensure high-value and exception wires are executed accurately and timely.
• Monitoring Wire Activity: Monitor daily incoming and outgoing wire activity to ensure timely settlement and resolution to any exceptions to ensure all transactions are processed accurately and within established deadlines and SLA’s.
• Risk Monitoring and Regulatory Compliance: Resolve any suspicious activity or compliance concerns per internal policies and procedures
• Issue Resolution and Investigations: Serve as a primary contract for escalated wire issues, client exceptions, departmental issues. Work with internal departments and external institutions to resolve discrepancies.
• Mentor Wire Operations Specialists, provide training and support on procedures, compliance updated and system functionality.
• Monitor daily report and system queues, assist in preparation for internal audits, regulatory reviews and process testing.
• Identify and lead initiatives to streamline workflows, reduce error, and enhance operational efficiency within the Wire Operations Unit.
• Uses knowledge-based judgement and discretion to make decisions regarding wire processing.
• Analyzes and resolves problems pertaining to wire processing.
• Develop and update SOPs, process documentation, and audit artifacts, supporting continuous improvement, internal controls testing, and operational efficiency initiatives.

Technical / Non-Technical Skills:

• Excellent MS Office skills – MS Excel, Power Point, Excel Macros and E Mail Drafting
• Good Typing Speed of 28 WPM with >=95% accuracy
• Excellent Communication skills – to Review Email, to attend Client Calls, Onshore Training etc

Behavioral Skills:

• Working Hours – should be flexible to do Over Time duty if required.
• Punctual and adherence to attendance and Leaves
• To report to Team Lead and follow the Instructions and the HR Policies as per Company

Certifications Needed:

• Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent
• Minimum experience required: 4 Years in banking operations, specifically with wire transfer processing, both domestic and international
• Demonstrated expertise with wire transfer systems
• Experience handling high-value transactions with minimal supervision
• Prior experience working in a regulated financial environment with exposure to risk controls and compliance procedures

Expected Competencies:

• Interpersonal Effectiveness: Candidate should be a team player and demonstrate required aptitude and attitude towards work and the Team.
• Service Orientation: Candidate should be Customer Centric and committed to delivering the best to Customers and the Business.

About Mphasis

Mphasis applies to next-generation technology to help enterprises transform businesses globally. Customer centricity is foundational to Mphasis and is reflected in the Mphasis’ Front2Back™ Transformation approach. Front2Back™ uses the exponential power of cloud and cognitive to provide hyper-personalized (C=X2C2TM=1) digital experience to clients and their end customers. Mphasis’ Service Transformation approach helps ‘shrink the core’ through the application of digital technologies across legacy environments within an enterprise, enabling businesses to stay ahead in a changing world. Mphasis’ core reference architectures and tools, speed