Senior Consultant, Banking & Financial Services

About Cognizant Consulting

Cognizant Consulting is more than Cognizant’s consulting practice—we’re a global community of 5,000+ experts dedicated to helping clients reimagine their business. Blending our deep industry and technology advisory capability, we create innovative business solutions for Fortune 500 clients. And now, we’re looking for our next colleague who’ll join us in shaping the future of business. Could it be you?

As a Senior Business Analyst – Cards & Money Movement, you will make an impact by leading functional analysis and solution design across card issuing and acquiring platforms, as well as core money movement rails such as ACH, RTP, and wires. You will be a valued member of a cross‑functional delivery team and work closely with product, engineering, and client stakeholders to translate complex business needs into scalable, compliant, and high‑performing payment solutions.

• Lead requirements discovery and functional design across card lifecycle and end‑to‑end money movement processes.
• Translate business and regulatory requirements into clear functional specifications, user stories, process flows, and interface designs.
• Partner with engineering teams to define integrations across processors, gateways, cores, and fraud or AML platforms.
• Ensure solutions align with payment network rules, regulatory requirements, and operational risk controls.
• Support implementation activities including UAT planning and execution, defect triage, and production readiness.

We strive to provide flexibility wherever possible. Based on this role’s business requirements, this is a remote position with up to 20% travel within the United States open to qualified applicants in the United States. Regardless of your working arrangement, we are here to support a healthy work-life balance through our various wellbeing programs.

• 5–8+ years of experience in payments, cards, or money movement environments.
• Hands‑on experience with card issuing or acquiring, settlements and reconciliation, and dispute or chargeback processes.
• Working knowledge of payment rails and standards such as ACH, RTP, wires, ISO 8583, and ISO 20022.
• Proven ability to translate business needs into functional requirements, user stories, and test scenarios.
• Experience supporting UAT and driving operational readiness for production releases.

• Experience with payment processors, switches, gateways, or issuer platforms.
• Familiarity with PCI DSS, NACHA, card network rules, and AML or OFAC requirements.
• Ability to perform data analysis or validation using SQL or similar tools.
  
  Experience reviewing message traces, logs, or payment flows for issue resolution.
• Familiarity with Agile delivery models and tools such as Jira, Confluence, or Azure Dev Ops.

We're excited to meet people who share our mission and can make an impact in a variety of ways. Don't hesitate to apply, even if you only meet the minimum requirements listed. Think about your transferable experiences and unique skills that make you stand out as someone who can bring new and exciting things to this role.

The base salary for this position ranges between $64,350 - $101,500 per year. This position is eligible for Cognizant’s discretionary annual incentive program, based on performance and subject to the terms of Cognizant’s applicable plans.

Cognizant offers a competitive benefits package, which may include:

• Medical, dental, vision, and life insurance
• 401(k) plan with contributions
• Paid holidays and paid time off
• Paid parental leave and family support programs
• Learning and development programs and certifications