Technical Business Analyst

Job Title: Technical Business Analyst


Location: Cleveland OH or Albany NY (Onsite)


Job Type: Contract



Responsibilities:

• Requirements Gathering & Analysis: Collaborate with stakeholders to understand business objectives within the payments domain, with a focus on ACH operations. Elicit, analyze, and document functional and technical requirements for payment solutions.
• Solution Design: Work closely with product owners, technology teams, and subject matter experts to design payment solutions that meet business needs, regulatory requirements, and industry best practices.
• Process Mapping & Optimization: Analyze existing end-to-end payment and ACH processes, identify improvement opportunities, and recommend optimized workflows to enhance efficiency, accuracy, and compliance.
• Documentation: Prepare comprehensive business requirement documents (BRDs), functional specifications, user stories, process flow diagrams, and other relevant documentation for payment products and ACH functionalities.
• Stakeholder Engagement: Act as the primary liaison between business, technology, vendors, and regulatory bodies to ensure alignment on project goals, timelines, and deliverables.
• ACH Expertise: Provide deep-dive analyses into ACH rules, formats (e.g., NACHA files), risk controls, exception handling, and compliance standards. Serve as the go-to resource for all ACH-related matters.
• Testing & Validation: Develop and execute test cases for ACH and payments features, support UAT, and validate that solutions meet business and regulatory requirements.
• Training & Support: Develop training materials and conduct sessions for users and internal teams regarding ACH and payment systems.
• Project Management Support: Assist project managers by tracking progress, identifying risks, managing issues, and coordinating across teams for successful project delivery.
• Market & Regulatory Awareness: Stay abreast of the latest trends in payments technology, ACH regulations, and emerging industry standards

Skills :

• Bachelor's degree in computer science, Information Systems, Business Administration, Finance, or a related field.
• Minimum 6 years of experience in a Business Analyst or similar role within the payments industry, with demonstrable expertise in ACH.
• Extensive understanding of ACH payment types (debits and credits), settlement processes, returns, exceptions, and risk management.
• Proven experience working with NACHA file formats, rules, and processing workflows.
• Solid grasp of payment gateway integrations, clearing and settlement, fraud controls, and regulatory frameworks (e.g., NACHA, FedACH, Nacha Operating Rules).
• Strong proficiency in process analysis, requirements elicitation, and translating business needs into technical specifications.
• Experience collaborating with product managers, developers, and QA teams in agile and waterfall environments.
• Excellent verbal and written communication skills, with the ability to present complex payment concepts to technical and non-technical audiences.
• Detail-oriented with strong organizational and problem-solving skills.
• Experience with process modeling tools, data flow diagrams, and workflow automation.
• Ability to manage multiple priorities and deliver projects on time in a fast-paced environment.