Data Subject Matter Expert (Sme) Banking & Payments
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Overview
Job Description
- Act as the primary subject matter expert on data structures, flows, and standards across banking and payment systems (ACH, RTGS, SWIFT, ISO20022, SEPA, Faster Payments, BACS, CHAPS, cards, etc.).
- Collaborate with business stakeholders, product owners, IT development, and operations to define and refine data requirements for payment-related solutions.
- Support the development, integration, and implementation of new payment products, services, and compliance initiatives, ensuring data integrity and adherence to regulatory mandates.
- Provide input on solution architecture, data mapping, and interface design for payment hubs and related banking platforms.
- Lead or support data migration, transformation, and reconciliation activities as part of system upgrades or new implementations.
- Maintain up-to-date documentation on data processes, controls, and payment transaction lifecycles.
- Advise on data governance, quality, and security best practices in line with industry and regulatory standards.
- Troubleshoot and resolve complex data and payment issues, collaborating with internal and external partners as needed.
- Design and develop comprehensive test data sets that accurately reflect real-world banking and payment scenarios, including a variety of payment methods, transaction types, currencies, and regulatory compliance requirements.
- Collaborate with business analysts, QA teams, and developers to define test data requirements for payment workflows, ensuring coverage of both positive and negative test cases (e.g., successful transactions, failed payments, expired cards, insufficient funds, chargebacks, refunds, and fraud scenarios).
- Generate and manage input files (e.g., plain text, XML/ISO20022, proprietary formats) for payment hubs and gateways, simulating diverse user personas and transaction flows.
- Ensure test data complies with data privacy and security standards, including masking or anonymizing sensitive information to adhere to PCI DSS, GDPR, and other regulatory mandates.
- Automate test data creation and maintenance to support efficient, repeatable, and scalable testing processes for payment system implementations and upgrades.
- Validate and cross-check input and output files to ensure the payment system processes and generates data correctly, supporting end-to-end and regression testing efforts.
- Document test data preparation procedures and maintain up-to-date records to support audit, compliance, and knowledge transfer activities.
- Support certification and pre-certification testing by preparing data sets required for scheme compliance (e.g., Client, Visa, EMVCo) and regulatory reporting.
- Bachelor s or master s degree in computer science, Information Systems, Finance, or related field.
- 7+ years of experience in banking, payments, or financial services, with a focus on data analysis, data management, or payment operations.
- In-depth knowledge of payment scheme rules, data standards (SWIFT, ISO20022), and regulatory frameworks (PSD2, AML, PCI-DSS).
- Proven experience in data mapping, migration, and reconciliation for banking/payment systems.
- Strong analytical, problem-solving, and documentation skills.
- Excellent communication skills for cross-functional collaboration and stakeholder management.
- Experience supporting technology implementation or consulting engagements in banking/payments is highly desirable.
- Familiarity with API-driven payment platforms, open banking, and emerging fintech solutions.
- Experience with cloud-based data architectures and microservices.
- Knowledge of distributed ledger technology (DLT) and its application in payments.
- Advanced Excel and data visualization/reporting skills.
- Self-starter with the ability to work independently and manage multiple priorities.
- High attention to detail and commitment to data quality and compliance.
About ApTask: ApTask is a leading global provider of workforce solutions and talent acquisition services, dedicated to shaping the future of work. As an African American-owned and Veteran-owned company, ApTask offers a comprehensive suite of services, including staffing and recruitment solutions, managed services, IT consulting, and project management. With a focus on excellence, collaboration, and innovation, ApTask provides unparalleled opportunities for professional growth and development. As a member of the ApTask team, you will have the chance to connect businesses with top-tier professionals, optimize workforce performance, and drive success across diverse industries. Join us at ApTask and be part of our mission to empower organizations to thrive while fostering a diverse and inclusive work environment. 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.
Candidate Data Collection Disclaimer: At ApTask, we prioritize safeguarding your privacy. As part of our recruitment process, certain Personally Identifiable Information (PII) may be requested by our clients for verification and application purposes. Rest assured, we strictly adhere to confidentiality standards and comply with all relevant data protection laws. Please note that we only collect the necessary information as specified by each client and do not request sensitive details during the initial stages of recruitment.
If you have any concerns or queries about your personal information, please feel free to contact our compliance team at
businessexcellence@aptask.com
.Applicant Consent: By submitting your application, you agree to ApTask's (www.aptask.com) Terms of Use and Privacy Policy, and provide your consent to receive SMS and voice call communications regarding employment opportunities that match your resume and qualifications. You understand that your personal information will be used solely for recruitment purposes and that you can withdraw your consent at any time by contacting us at 732-355-8000 or help@aptask.com. Message frequency may vary. Msg & data rates may apply.Automate your job search with Sonara.
Submit 10x as many applications with less effort than one manual application.
