Product Delivery Associate– Real-Time Payments

Building on the vision and structure of our Payments business, the Payments Operations organization is evolving its operating model. The newly created Cash Operations & Transformation team has been established to support key existing products and new product offerings, such as Real Time Payments, Digital Payments – Push2Card, Push2Wallet etc.. With the focus of simplifying and standardizing operational services, enhance client experience and accelerate delivery of operational excellence. You will build strong cross-functional relationships with Operations, Product, Finance and Technology to define requirements and support the delivery and adoption of new digital payment products. As a Senior Product Delivery Associate in Payment Operations, you are trusted with enabling the delivery of products in a stable and scalable way, and you will partner with Operations, Sales, Product, Client Service & Implementations, and Technology in developing the build out and adoption of new, e-commerce products. Job Responsibilities: • Work closely with Operations, Product and Technology to deliver scalable, resilient and operationally ready Real-Time Payments capabilities. • Lead requirements discovery and translate business needs into functional process flows, use cases, acceptance criteria and traceable delivery requirements in JIRA. • Run daily POD calls and document end-to-end payment journeys, core processing and exception scenarios. • Assess operational impacts and design future-state processes, Target Operating Models, ownership, controls, service hand-offs and escalation paths. • Identify operational, regulatory, fraud, sanctions, liquidity, accounting and reconciliation risks and define sustainable controls and mitigations. • Develop and review testing scenarios with Operations, Product and Technology, in line with regional processes. • Drive operational readiness, implementation planning and go-live support. • Facilitate workshops, resolve requirements gaps and communicate decisions, risks, dependencies and delivery status, while identifying opportunities to automate and improve straight-through processing, utilising AI. • Maintain program execution artifacts including deliverables, milestones and RAID logs; surface risks, blockers and dependency needs. Required qualifications, capabilities and skills: • 6+ years’ experience in a financial services payments delivery role, with direct experience of RTP schemes. • Self-starter with strong execution discipline and stakeholder management experience. • Ability to build trusted relationships, influence decisions, challenge and align cross-functional teams. • Proficient in using AI tools to improve processes, increase efficiency and identify automation opportunities. • Collaborative team player who shares knowledge to continuously improve ways of working. • Strong understanding of end-to-end payment processing, operational risk and controls. • Structured problem-solver with attention to detail. • Proficiency in JIRA, Excel, PowerPoint and process-mapping tools. Preferred qualifications, capabilities and skills: • Knowledge of ISO 20022 messaging and payment flows, including initiation, status, returns, investigations, reconciliation and reporting. • Experience with APIs, webhooks, host-to-host files, digital payment platforms, sanctions, fraud, transaction limits, liquidity, reconciliations and exception processing. • Experience in Corporate and Investment Bank operations, process automation and transformation, with familiarity of Monday.com, Alteryx, Tableau and responsible AI-assisted analysis.