Payment Traceability Lead Business Analyst - Assistant Vice President

Who we are looking for:

We are looking for a senior payments business analyst to lead the design and implementation of an enterprise end-to-end payment and settlement traceability capability. The role will map payment journeys across applications, define lifecycle events and exception states, shape the target operating model, while also supporting the anomaly detection and Swift Resilience workstreams where traceability, event data and process knowledge are shared dependencies.

Why this role is important to us?

Payment status information is currently distributed across origination, middleware, screening, credit, repair, market gateway and reconciliation platforms. A unified traceability capability will support faster incident triage, improved client communication, operational resilience and audit-ready evidence.

Join us if contributing to our Payments Business Risk and Resiliency Programs is a challenge you are up for.

What you will be responsible for

- Lead discovery and business analysis across in-scope payment and settlement applications, rails, gateways and operating teams.
- Create and maintain the application inventory, end-to-end process maps, lifecycle-event model, exception taxonomy, data lineage and ownership model.
- Define requirements for payment search, identifier correlation, real-time or near-real-time status, lifecycle drill-down, ACK/NACK visibility, alerts, reporting and evidence export.
- Specify data requirements for UETR, end-to-end and internal references, client and account attributes, status timestamps, source systems, queues, exceptions and market responses.
- Lead design of role-based internal views, entitlement-based external views, restricted-data masking and client-safe status labels.
- Partner with Technology and application owners to assess API, event-stream, MQ, log, database-feed and observability integration options.
- Develop user stories, acceptance criteria, test scenarios and traceability matrices; coordinate UAT, defect triage and business sign-off.
- Define operational ownership, alert routing, service levels, escalation thresholds, support procedures and BAU governance.
- Support anomaly detection operations where required and ensure that anomaly events, holds, decisions and case outcomes are visible within the end-to-end payment journey.
- Support Swift resilience work where required

What we value:

These skills will help you succeed in this role:

- Deep knowledge of end-to-end payment processing and the interaction between origination, middleware, screening, credit, repair, gateways and markets.
- Strong business analysis, process mapping, data lineage and requirements-management capability.
- Experience with payment identifiers, SWIFT or ISO 20022 messaging, ACK/NACK statuses and operational exception handling.
- Understanding of APIs, messaging, event data and observability concepts sufficient to partner effectively with Technology and Architecture.
- Strong risk, access-control, privacy, resilience and audit awareness.

Education & Preferred Qualifications:

- Bachelor’s degree in business, finance, technology, data or a related discipline.
- 7+ years of financial services experience with significant payments, settlement or technology-change exposure.
- Business analysis or process-modelling certification is advantageous.

About State Street

What we do. State Street is one of the largest custodian banks, asset managers and asset intelligence companies in the world. From technology to product innovation, we make our mark on the financial services industry. For more than two centuries, we have helped our clients safeguard and steward investments, providing investment servicing, data and analytics, investment research and trading, and investment management to institutional clients.

Work, Live and Grow. We make every effort to create a great work environment. Our benefits packages are competitive and comprehensive and vary by location. You will have access to flexible work arrangements, development programmes and educational support designed to help you reach your full potential.

Inclusion, Diversity and Social Responsibility. We truly believe our employees’ diverse backgrounds, experiences and perspectives are a powerful contributor to creating an inclusive environment where everyone can thrive and reach their maximum potential while adding value to both our organization and our clients. We warmly welcome candidates of diverse origin, background, ability, age, sexual orientation, gender identity and personality. Another fundamental value at State Street is active engagement with our communities around the world, both as a partner and a leader. You will have tools to help balance your professional and personal life, paid volunteer days, matching gift programs and access to employee networks that help you stay connected to what matters to you.

State Street is an equal opportunity and affirmative action employer.

Discover more at StateStreet.com/careers

Salary Range:
$80,000 - $140,000 Annual

The range quoted above applies to the role in the primary location specified. If the candidate would ultimately work outside of the primary location above, the applicable range could differ.

Employees are eligible to participate in State Street’s comprehensive benefits program, which includes: our retirement savings plan (401K) with company match; insurance coverage including basic life, medical, dental, vision, long-term disability, and other optional additional coverages; paid-time off including vacation, sick leave, short term disability, and family care responsibilities; access to our Employee Assistance Program; incentive compensation including eligibility for annual performance-based awards (excluding certain sales roles subject to sales incentive plans); and, eligibility for certain tax advantaged savings plans.

For a full overview, visit https://hrportal.ehr.com/statestreet/Home .

About State Street

Across the globe, institutional investors rely on us to help them manage risk, respond to challenges, and drive performance and profitability. We keep our clients at the heart of everything we do, and smart, engaged employees are essential to our continued success.

We are committed to fostering an environment where every employee feels valued and empowered to reach their full potential. As an essential partner in our shared success, you’ll benefit from inclusive development opportunities, flexible work-life support, paid volunteer days, and vibrant employee networks that keep you connected to what matters most. Join us in shaping the future.

As an Equal Opportunity Employer, we consider all qualified applicants for all positions without regard to race, creed, color, religion, national origin, ancestry, ethnicity, age, disability, genetic information, sex, sexual orientation, gender identity or expression, citizenship, marital status, domestic partnership or civil union status, familial status, military and veteran status, and other characteristics protected by applicable law.

Discover more information on jobs at StateStreet.com/careers

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Job Application Disclosure:

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.