Product Delivery Associate– Real-Time Payments

Building on the vision and structure of our Payments business, the Payments Operations organization is evolving its operating model. The newly created Cash Operations & Transformation team has been established to support key existing products and new product offerings, such as Real Time Payments, Digital Payments – Push2Card, Push2Wallet etc.. With the focus of simplifying and standardizing operational services, enhance client experience and accelerate delivery of operational excellence. You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products .

As a Senior Product Delivery Associate in Payment Operations, you are trusted with enabling the delivery of products in a stable and scalable way, and you will partner with Operations, Sales, Product, Client Service & Implementations, and Technology in developing the build out and adoption of new, e-commerce products.

Job Responsibilities:

- Work closely with Operations, Product and Technology to deliver scalable, resilient and operationally ready Real-Time Payments capabilities.
- Lead requirements discovery and translate business needs into functional process flows, use cases, acceptance criteria and traceable delivery requirements in JIRA.
- Run daily POD calls and document end-to-end payment journeys, core processing and exception scenarios.
- Assess operational impacts and design future-state processes, Target Operating Models, ownership, controls, service hand-offs and escalation paths.
- Identify operational, regulatory, fraud, sanctions, liquidity, accounting and reconciliation risks and define sustainable controls and mitigations.
- Develop and review testing scenarios with Operations, Product and Technology, in line with regional processes.
- Drive operational readiness, implementation planning and go-live support.
- Facilitate workshops, resolve requirements gaps and communicate decisions, risks, dependencies and delivery status, while identifying opportunities to automate and improve straight-through processing, utilising AI.
- Maintain program execution artifacts including deliverables, milestones and RAID logs; surface risks, blockers and dependency needs.

Required qualifications, capabilities and skills:

- 6+ years’ experience in a financial services payments delivery role, with direct experience of RTP schemes.
- Self-starter with strong execution discipline and stakeholder management experience.
- Ability to build trusted relationships, influence decisions, challenge and align cross-functional teams.
- Proficient in using AI tools to improve processes, increase efficiency and identify automation opportunities.
- Collaborative team player who shares knowledge to continuously improve ways of working.
- Strong understanding of end-to-end payment processing, operational risk and controls.
- Structured problem-solver with attention to detail.
- Proficiency in JIRA, Excel, PowerPoint and process-mapping tools.

Preferred qualifications, capabilities and skills:

- Knowledge of ISO 20022 messaging and payment flows, including initiation, status, returns, investigations, reconciliation and reporting.
- Experience with APIs, webhooks, host-to-host files, digital payment platforms, sanctions, fraud, transaction limits, liquidity, reconciliations and exception processing.
- Experience in Corporate and Investment Bank operations, process automation and transformation, with familiarity of Monday.com, Alteryx, Tableau and responsible AI-assisted analysis.