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?

About the Role:
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.

In this role, you will:
• 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.

Work model:
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 though our various wellbeing programs.

What you need to have to be considered:
• 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.

These will help you stand out:
• 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 DevOps.

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.

Total Compensation:
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.


Benefits:
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

The Cognizant community:
We are a high caliber team who appreciate and support one another. Our people uphold an energetic, collaborative and inclusive workplace where everyone can thrive.

• Cognizant is a global community with more than 300,000 associates around the world.
• We don’t just dream of a better way – we make it happen.
• We take care of our people, clients, company, communities and climate by doing what’s right.
• We foster an innovative environment where you can build the career path that’s right for you.

About us:
Cognizant is one of the world's leading professional services companies, transforming clients' business, operating, and technology models for the digital era. Our unique industry-based, consultative approach helps clients envision, build, and run more innovative and efficient businesses. Headquartered in the U.S., Cognizant (a member of the NASDAQ-100 and one of Forbes World’s Best Employers 2025) is consistently listed among the most admired companies in the world. Learn how Cognizant helps clients lead with digital at www.cognizant.com

Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.

Disclaimer:
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.