SME Payments

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Location

Location Chicago, IL

Role Overview

We are seeking an experienced Payments Subject Matter Expert (SME) / Senior Business Analyst to serve as the bridge between business stakeholders, operations teams, technology teams, and solution vendors. The ideal candidate will possess deep expertise in the payments domain and play a key role in payment transformation and modernization initiatives, ensuring solutions align with business objectives, regulatory requirements, and customer experience goals.

Job Description

Act as the primary Payments SME for payment transformation and modernization programs.Partner with business stakeholders to identify payment-related challenges, opportunities, and business requirements.Lead requirements gathering workshops, stakeholder interviews, and business process analysis sessions.Document and manage business requirements, functional specifications, user stories, process flows, and use cases.Analyze current-state payment processes and define future-state operating models.Support the implementation and enhancement of payment solutions, including • Claims Payments • Premium Collections • ACH Payments • Real-Time Payments (RTP) • Digital Wallets • Card Payments • Payment Gateways • Payment Processing Platforms Collaborate with technology teams to translate business needs into solution designs.Conduct gap analysis, impact assessments, and process optimization initiatives.Support vendor evaluations, solution assessments, and proof-of-concept activities.Facilitate User Acceptance Testing (UAT), test planning, defect resolution, and business sign-offs.Assist with compliance, audit, and operational requirements related to payment processing.Develop business process documentation, training materials, and operational procedures.Ensure end-to-end traceability of requirements throughout the project lifecycle.Support organizational change management and stakeholder communications during implementations.

Required Qualifications

• Bachelor’s degree in Business, Finance, Information Systems, Technology, or a related field. • 10–12 years of experience in payments, payment operations, business analysis, or payment transformation programs. • Proven experience as a Payments SME and Business Analyst on large-scale transformation initiatives. • Strong expertise in payment ecosystems and end-to-end payment processing workflows. • Experience gathering, documenting, validating, and managing business and functional requirements. • Strong understanding of • ACH Payments • Real-Time Payments (RTP) • Wire Transfers • Digital Payments • Payment Reconciliation • Payment Operations • Claims Disbursements • Premium Billing & Collections • Experience creating • Business Requirements Documents (BRDs) • Functional Requirements Documents (FRDs) • User Stories • Process Flows • Data Mapping Documents • Strong analytical, problem-solving, and critical-thinking skills. • Experience working within Agile, Scrum, Waterfall, or Hybrid delivery methodologies. • Excellent communication and stakeholder management skills.