Zelle Business Analyst Lead
Max Vendor Rate: $84
Location: Remote
Role Overview
We are seeking a seasoned Business Analyst with a proven track record of leading End-to-End (E2E) Zelle implementations within a financial institution or fintech environment. You will serve as the primary Subject Matter Expert (SME) for our P2P payment rails, bridging the gap between business strategy, regulatory compliance, and technical execution. The ideal candidate has navigated the full project lifecycle, including EWS (Early Warning Services) certification, API integration, and fraud/risk strategy formulation.
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Key Responsibilities
1. End-to-End Implementation & Delivery
Lead the requirement gathering and functional design for the E2E Zelle lifecycle, including enrollment, Send/Request money, Split Bill, and Move Money workflows.
Partner with Early Warning Services (EWS) to manage the certification process (UI/UX and Technical Build certifications).
Define and document business rules for transaction limits, velocity controls, and funds availability.
2. Technical & API Analysis
Translate business needs into detailed technical specifications for REST/SOAP APIs and MQ event notifications.
Collaborate with Engineering to map data contribution files and ensure seamless integration with core banking systems (FIS, Fiserv, or Jack Henry).
Analyze impact on downstream systems, including Ledger, Settlement, and Reconciliation.
3. Risk, Fraud & Compliance
Define business requirements for Fraud & Sanctions screening (e.g., OFAC, AML) specific to real-time payments.
Work with Risk teams to design exception-handling processes and dispute management workflows (Reg E compliance).
Establish "Good Funds" verification logic to mitigate NSF (Non-Sufficient Funds) risks.
4. Product & UX Governance
Ensure the Zelle implementation adheres to the Network Participant Rules and brand guidelines.
Manage the product backlog in an Agile environment, writing high-quality User Stories and Acceptance Criteria (Gherkin/BDD).
Coordinate User Acceptance Testing (UAT) and conduct "Bug Bashes" to ensure a frictionless mobile/web experience.
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Required Skills & Qualifications
Experience: 5+ years of Business Analysis experience in Payments, with at least one full-cycle Zelle implementation successfully completed.
Domain Expertise: Deep knowledge of P2P payment rails, ISO 20022 messaging, and US payment clearing systems (ACH, RTP, FedNow).
Technical Proficiency: * Hands-on experience with API documentation (Swagger/Postman).
o Proficiency in SQL for data mapping and transaction troubleshooting.
o Strong familiarity with JIRA, Confluence, Visio for process mapping.
Soft Skills: Exceptional stakeholder management; ability to explain complex technical "hooks" to non-technical business leaders., Project Code :R
ReqRoute,Inc
ReqRoute is a young, vibrant and dynamic recruitment marketing agency focused on providing Recruitment Branding Solutions, HCM Business Consulting; Managed Services to its customers worldwide. No customer is small; we service small businesses to fortune 1000 customers across the globe. Based in the heart of Silicon Valley, we are passionate about building stronger employer brands to help employers attract the best talent.
We differentiate ourselves by our strong value system, commitment to our clients, best practices and a sound industry experience in finding out-performers. ReqRoute develops sustainable relationships based on mutual trust, responsiveness and accountability. While we continue to expand the infrastructure and resources available to our clients, we remain nimble in our approach to customer service and the management of our relationships. We take time to properly understand our client needs and offer a full range of cost effective, client centric solutions to a diverse client base.
We offer flexible delivery methods to help our clients achieve their specific recruitment branding objectives by using our platform. We put you on the driver’s seat by enabling you to track the effectiveness of your recruitment marketing campaign by providing you real time analytics that helps you make changes to strategies and reallocate budgets.
Our Human Capital Management (HCM) Consulting solutions cater to every aspect of HR strategy and planning. From Recruitment, Benefits, Payrolling to Performance Management tools, we provide HCM advisory services for outlining effective HCM Strategy, vendor selection, project management, implementation & user training.
ReqRoute gives you the ability to be as smooth and quick as the technology you are dealing with by putting you in touch with our enormous database. ReqRoute has the ability to quickly respond to technology initiatives by strategically acquiring skills and economically managing accessible resources. With ReqRoute, you have access to competent, brilliant and talented professionals representing every skill set. With ReqRoute, you can bring on professionals that are truly a fit into your teams.
20 to 49 employees
Management Consulting Services