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Senior Payments Business Analyst (ISO 20022 / Generalist)

**Location:** New York, USA

**Work Model:** Hybrid — 3 days per week onsite at the New York client location; 2 days remote.

**Note:** The working arrangements for this role are accurate as of the date of posting and may change based on business or client needs.

About Cognizant Consulting

Cognizant Consulting is a global community of experts who help clients reimagine their business and modernize core systems. We blend deep industry knowledge with technology advisory to deliver data‑driven, scalable transformation. Join us and help shape the future of payments modernization in Financial Services.

About the role

This role supports broader ISO 20022 migration and payments transformation activities, including custom formats, niche legacy files, and cross-stream coordination. This role requires strong domain expertise in legacy payment formats, end‑to‑end payment processing, and field‑level mapping across multiple integration channels.

In this role, you will

• Support ISO 20022 adoption across multiple payment rails and formats.

• Analyze and map custom or proprietary payment file formats.

• Ensure compliance with Hybrid Address and CBPR+ requirements.

• Partner with product, technology, and migration teams to deliver end-to-end solutions.

• Assist with requirements gathering, documentation, and testing coordination.

• Provide subject matter expertise across payments workflows and standards.

What you must have to be considered

• 7–10+ years in payments business analysis.

• Strong ISO 20022 knowledge and migration experience.

• Exposure to legacy/custom payment formats.

• Strong stakeholder engagement and communication skills.

• Ability to adapt quickly in fast-paced, regulatory-driven initiatives.

These will help you succeed

• Experience working across multiple payment rails beyond standard ISO 20022 flows.

• Hands-on experience analyzing poorly documented or proprietary file formats.

• Understanding of regulatory environments influencing cross‑border payments.

• Ability to translate complex payment rules into clear technical and business documentation.

• Familiarity with transformation testing, data validation, or message simulation tools.

Work Authorization

Applicants must be legally authorized to work in the United States. Sponsorship is not available for this role.

Compensation & Pay Transparency (New York, USA)

**Salary Range:** $100,000 – $115,000 USD annually, based on experience and qualifications. Eligible for Cognizant’s discretionary annual incentive program. **Cost-Of-Living Adjustment (** COLA) amount of $7500 USD

**Benefits include:** medical, dental, vision, 401(k), paid time off, and wellbeing programs.

Compensation decisions are based on various factors including skills, experience, and market conditions. The posted range reflects Cognizant’s good-faith estimate at the time of posting.

Equal Opportunity Employer

Cognizant is an equal opportunity employer. We celebrate diversity and are committed to an inclusive environment for all associates.

Apply By

February 28, 2026

Cognizant is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.