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Senior Payments Business Analyst (EDIFACT & ISO 20022 Mapping)

**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 dedicated to helping clients reimagine their business. We blend deep industry knowledge with technology advisory to deliver data‑driven, scalable transformation.

About the role

As a Senior Payments Business Analyst, you will support EDIFACT → ISO 20022 migration activities across H2H and SWIFT payment channels. You will collaborate with cross‑functional teams to modernize legacy formats while ensuring regulatory alignment including Hybrid Address and CBPR+ standards.

In this role, you will

• Analyze legacy EDIFACT payment messages (e.g., PAYMUL, PAXLST, CREMUL).

• Define detailed field‑level mappings from EDIFACT to ISO 20022 message structures.

• Address structured vs. unstructured address translation and compliance requirements.

• Develop and maintain mapping documents, data dictionaries, and transformation rules.

• Collaborate with product, integration, and migration teams across regions.

• Support testing, defect triage, and migration readiness activities.

What you must have to be considered

• 8–12+ years of payments business analysis experience.

• Deep hands‑on experience with EDIFACT payment formats.

• Strong knowledge of ISO 20022, CBPR+, and cross‑border payments.

• Experience with SWIFT and H2H integrations.

• Strong analytical, documentation, and stakeholder management skills.

These will help you succeed

• Experience working in payments modernization programs.

• Ability to analyze undocumented or proprietary legacy file formats.

• Understanding of regulatory environments influencing cross‑border payments.

• Strong communication skills for both technical and non‑technical audiences.

• Experience with message testing, transformation or validation 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. 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 factors including skills, experience and market conditions. The posted range reflects a 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.