3+ years of deep expertise in corporate payment operations, including multi-currency wire processing, payment factory design, SWIFT messaging (MT101, MT103, MT202), SEPA credit transfers, and domestic real-time payment rails (ACH, RTP, FedNow, Faster Payments). Comfort navigating complex data flows between treasury systems, ERPs, and banking portals-including file format transformation (MT101, ACH, ISO20022, etc.) and API-based data exchange.