Lead Business Analyst - Payments with Treasury

EPAM is a leading global provider of digital platform engineering and development services. We are committed to having a positive impact on our customers, our employees, and our communities. We embrace a dynamic and inclusive culture. Here you will collaborate with multi-national teams, contribute to a myriad of innovative projects that deliver the most creative and cutting-edge solutions, and have an opportunity to continuously learn and grow. No matter where you are located, you will join a dedicated, creative, and diverse community that will help you discover your fullest potential.

We are building an AWS cloud-native cash management platform and need a Lead Business Analyst Payments with Treasury to shape clear, testable requirements. You will partner with stakeholders, product owners, architects, developers, testers, and operations to define workflows, rules, data needs, integrations, and acceptance criteria across payments and treasury.

Responsibilities

Elicit and assess business requirements for the cash management platform

Document current-state and future-state business processes

Specify requirements for cash movement, matching and allocation, reconciliation, accounting, rules processing, reporting, and audit

Convert business needs into functional requirements, user stories, process flows, business rules, and acceptance criteria

Define transaction states, processing sequences, decision points, exceptions, and manual interventions

Explain business rules for matching, allocation, adjustment, reversal, cancellation, rejection, and reprocessing

Set requirements for REST APIs, Kafka events, messages, managed files, and external-system integrations

Create source-to-target data mappings and transformation rules documentation

Identify required business identifiers, reference data, statuses, timestamps, and audit information

Partner with stakeholders to identify authoritative data sources and system ownership

Establish reconciliation rules, tolerances, exception categories, and resolution workflows

Facilitate requirement workshops, control requirement changes, and support user acceptance testing, release readiness, and defect analysis

Requirements

Extensive IT background with 10-14 years of overall experience

Proven experience of 7+ years as a Business Analyst on complex software or enterprise-platform programs

Demonstrated experience defining requirements for financial, transactional, or integration-heavy systems

Strong capability in writing functional requirements, user stories, business rules, and acceptance criteria

Expert ability to create process flows, data mappings, state models, and integration requirements

Solid ability to analyze asynchronous and multi-system business processes

Working understanding of REST APIs, events, messages, databases, and file-based integrations

Hands-on experience supporting Agile software-development teams

Ability to work directly with business stakeholders, architects, developers, testers, and operations teams

Excellent analytical, facilitation, documentation, and communication skills

Proven skill in identifying gaps, contradictions, and ambiguities in business requirements

Nice to have

Domain experience in cash management, treasury, payments, reconciliation, accounting, billing, or banking platforms

Knowledge of transaction lifecycle, settlement, allocation, posting, adjustment, and exception-management processes

Experience defining financial reconciliation rules and operational controls

Familiarity with Kafka, event-driven systems, JSON, XML, CSV, API specifications, and event schemas

Ability to use SQL for data analysis and requirement validation

Experience with data lineage, audit trails, and regulatory or control requirements in regulated financial-services environments

Familiarity with Jira, Confluence, process modeling and API documentation tools

We offer

Opportunity to work on technical challenges that may impact across geographies

Vast opportunities for self-development: online university, knowledge sharing opportunities globally, learning opportunities through external certifications

Opportunity to share your ideas on international platforms

Sponsored Tech Talks & Hackathons

Unlimited access to LinkedIn learning solutions

Possibility to relocate to any EPAM office for short and long-term projects

Focused individual development

Benefit package:

Health benefits

Retirement benefits

Paid time off

Flexible benefits

Forums to explore beyond work passion (CSR, photography, painting, sports, etc.) .