Senior Analyst-Payments Business Requirements

American Express continues to expand and modernize its banking and payment capabilities to better serve consumers and businesses. As part of this evolution, American Express is establishing a Payments Governance & Oversight team to strengthen payment processing, governance, business expertise, and support for strategic payment initiatives.

The team serves a centralized payments authority for consumer and commercial banking, providing expertise across payment processing, industry requirements, operational stability, controls, documentation, and business requirements. Working closely with Operations, Product, Technology, Regulatory, Risk, and other partners, the team helps ensure that American Express’s payment capabilities are reliable, well-governed, and positioned for continued growth.

This is an opportunity to join a developing function, help shape its future, and contribute to significant modernization initiatives across the bank.

The Senior Analyst – ACH Business Transformation will play a key role in supporting strategic changes to the bank’s payment capabilities, including ACH and other major payment rails.

This position will serve as a primary business partner to Product, Technology, Operations, and other stakeholders, helping translate ACH and other payment rules, business processes, and operational needs into clear requirements and expected system behaviors.

The successful candidate will combine strong analytical and business requirements skills with an understanding of banking or payment processing, the ability to navigate complex cross-functional initiatives, and a desire to develop deep ACH and payment expertise.

While this position will focus primarily on strategic change and business requirements, the analyst will also contribute to broader payment governance, processing oversight, and knowledge management responsibilities as business needs evolve.

Minimum Qualifications:

- 2+ years of relevant experience in a banking, fintech, or other financial services environments.
- Experience gathering, analyzing, documenting, and validating business or functional requirements.
- Working understanding of banking operations, payment processing concepts, and financial transactions.
- Experience supporting product development, system enhancements, process changes, or cross-functional business initiatives.
- Strong analytical and problem-solving skills, with the ability to evaluate complex processes and identify practical solutions.
- Strong written and verbal communication skills, including the ability to collaborate effectively with business, technical, and other stakeholders.
- Ability to translate business needs and complex information into clear, actionable requirements and documentation, based on the audience.
- Strong organization and prioritization skills, with the ability to independently manage deliverables across multiple initiatives.
- Demonstrated ability to navigate ambiguity, build relationships, and influence outcomes across teams.

Preferred Qualifications:

- Direct experience with ACH processing, NACHA operating rules, payment file formats, or ACH processing systems.
- Experience supporting banking or payments technology transformation initiatives.
- Experience with business process mapping, system integration, exception processing, or payment transaction lifecycles.
- Experience developing acceptance criteria, user acceptance testing scenarios, and business-readiness assessments.

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.