Project Role : Business Analyst
Project Role Description : Analyze an organization and design its processes and systems, assessing the business model and its integration with technology. Assess current state, identify customer requirements, and define the future state and/or business solution. Research, gather and synthesize information.
Must have skills : Clear2Pay
Good to have skills : Payments Fundamentals, Core Banking, Fiserv Enterprise Payments Platform
Minimum 7.5 year(s) of experience is required
Educational Qualification : 15 years full time education

Summary:
As a Business Analyst, We are looking for a skilled Payments Business Analyst to join our team, focusing on SEPA and DKK payments. The ideal candidate will have strong expertise in European and Nordic payment schemes, cross-border transactions, and end-to-end workflows. They will be responsible for gathering business requirements, collaborating with stakeholders, and supporting the implementation of compliant, efficient payment solutions.

Roles & Responsibilities:
-Act as a Payments SME for SEPA and DKK payments, ensuring compliance with EPC, NPC, SEPA, and P27 frameworks.
- Gather, analyze, and document business and functional requirements for SEPA Credit Transfers (SCT), Direct Debits (SDD), instant payments, and DKK clearing transactions.
- Collaborate with business users, product teams, and technology stakeholders to design solutions aligned with industry best practices and regulatory mandates.
- Work extensively with ISO 20022 formats (PAIN, PACS, CAMT) and validate the impact of regulatory changes.
- Define and support batch processing logic for SEPA and DKK payments, ensuring accurate settlement and reconciliation.
- Partner with technical teams to design and test payment workflows, validation rules, and exception handling.
- Support UAT, SIT, and production deployment, ensuring test cases align with business scenarios and compliance requirements.
- Analyze and troubleshoot payment failures, rejections, and compliance checks, providing remediation strategies.
- Ensure alignment with AML, KYC, fraud control, and compliance frameworks for SEPA and DKK transactions.
- Provide training and guidance to junior analysts on SEPA rules, Nordic clearing mechanisms, and batch processing structures.

Professional & Technical Skills:
- 5+ years of experience in Payments, with expertise in SEPA and DKK payments, and preferably other local schemes or cross-border payments.
- Strong knowledge of SEPA Credit Transfer (SCT), instant payments, and Nordic clearing systems.
- Experience in batch processing, reconciliations, and settlement workflows.
- Hands-on expertise in ISO 20022 formats (PAIN, PACS, CAMT) and message transformations.
- Familiarity with payment gateways, clearing systems, and correspondent banking networks.
- Ability to analyze payment regulations, compliance frameworks, and fraud risk controls.
- Proficiency in SWIFT messaging, AML screening, and transaction monitoring is a plus.
- Strong analytical, problem-solving, and stakeholder management skills.
- Experience working with Agile methodologies, JIRA, Confluence, and BA tools.
- Basics of Kafka for payment event streaming.
- Command Line proficiency for troubleshooting and batch operations.
- Hands-on experience with Postman for API testing.
- Knowledge of REST APIs and SOAP services for payment integrations.

Additional Information:
- The candidate should have minimum 7.5 years of experience in Clear2Pay.
- This position is based at our Bengaluru office.
- A 15 years full time education is required.
- Bachelor s or Master s degree in Finance, Banking, IT, or related fields.
- Certifications in Payments, SEPA, or ISO 20022 standards are a plus.
- Prior experience working with banks, fintech, or payment service providers.
- Opportunity to work on strategic payment transformation projects.
- Exposure to global payment ecosystems and regulatory frameworks.
- Work with a highly skilled team of Payments SMEs and industry experts.

15 years full time education

About Accenture

Accenture is a leading global professional services company that helps the world’s leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services—creating tangible value at speed and scale. We are a talent- and innovation-led company with approximately 791,000 people serving clients in more than 120 countries. Technology is at the core of change today, and we are one of the world’s leaders in helping drive that change, with strong ecosystem relationships. We combine our strength in technology and leadership in cloud, data and AI with unmatched industry experience, functional expertise and global delivery capability. Our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Song, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients reinvent and build trusted, lasting relationships. We measure our success by the 360° value we create for our clients, each other, our shareholders, partners and communities.

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