Senior Analyst-Payments Business Requirements

American Express continues to expand and modernize its banking and payment capabilities to better serve consumers and businesses. As part of this evolution, American Express is establishing a Payments Governance & Oversight team to strengthen payment processing, governance, business expertise, and support for strategic payment initiatives. The team serves a centralized payments authority for consumer and commercial banking, providing expertise across payment processing, industry requirements, operational stability, controls, documentation, and business requirements. Working closely with Operations, Product, Technology, Regulatory, Risk, and other partners, the team helps ensure that American Express’s payment capabilities are reliable, well-governed, and positioned for continued growth. This is an opportunity to join a developing function, help shape its future, and contribute to significant modernization initiatives across the bank. The Senior Analyst – ACH Business Transformation will play a key role in supporting strategic changes to the bank’s payment capabilities, including ACH and other major payment rails. This position will serve as a primary business partner to Product, Technology, Operations, and other stakeholders, helping translate ACH and other payment rules, business processes, and operational needs into clear requirements and expected system behaviors. The successful candidate will combine strong analytical and business requirements skills with an understanding of banking or payment processing, the ability to navigate complex cross-functional initiatives, and a desire to develop deep ACH and payment expertise. While this position will focus primarily on strategic change and business requirements, the analyst will also contribute to broader payment governance, processing oversight, and knowledge management responsibilities as business needs evolve.