Job Title

About Cognizant Consulting Cognizant Consulting is more than Cognizants consulting practicewere a global community of over 5,000 experts dedicated to helping clients reimagine their business. By combining deep industry expertise with technology advisory capabilities, we deliver innovative business solutions for Fortune 500 organizations. And now, were looking for our next colleague to help shape the future of payments and digital banking. Could it be you? About the role As a Business Analyst Zelle Payments , you will make an impact by leading endtoend peertopeer (P2P) payments initiatives for financial institutions and fintech clients. You will be a valued member of Cognizant Consultings Banking & Financial Services practice, working collaboratively with clients, product teams, engineering partners, and risk and compliance stakeholders to deliver secure, scalable, and compliant Zelle implementations. In this role, you will Lead endtoend business analysis for Zelle implementations, covering enrollment, send/request money, split bill, and funds movement workflows. Serve as a subject matter expert for Zelle and P2P payment rails, partnering with Early Warning Services (EWS) throughout UI/UX and technical certification processes. Translate business and regulatory requirements into clear functional specifications, business rules, and APIlevel requirements for engineering teams. Collaborate with risk, fraud, and compliance teams to define controls related to transaction limits, velocity checks, sanctions screening, and dispute handling. Support Agile delivery by managing backlogs, writing highquality user stories and acceptance criteria, and coordinating user acceptance testing to ensure a seamless digital experience. What you need to be considered 5+ years of Business Analyst experience within payments, digital banking, or financial services consulting. Handson experience delivering at least one fullcycle Zelle implementation within a bank or fintech environment. Strong understanding of P2P payments, realtime payments, and U.S. payment ecosystems (e.g., ACH, RTP, FedNow). Experience translating business needs into technical requirements, including API integrations and data flows with core banking platforms. Proven ability to manage complex stakeholders and communicate effectively across business, technology, and compliance teams. What will help you stand out Familiarity with EWS certification processes and Zelle Network Participant Rules. Working knowledge of ISO 20022 messaging and realtime payment processing models. Handson experience using tools such as JIRA, Confluence, Visio, SQL, Swagger, or Postman. Background in fraud strategy, sanctions screening, or Reg Erelated dispute management. Consulting experience supporting large financial institutions or digital banking transformations. Cognizant will only consider applicants for this position who are legally authorized to work in Canada without requiring employer sponsorship, now or at any time in the future. Work model We believe hybrid work is the way forward as we strive to provide flexibility wherever possible. Based on this roles business requirements, this is a hybrid position requiring 3-4 days per week in a Cognizant office or client location in Toronto, Ontario . Regardless of your working arrangement, we are committed to supporting a healthy worklife balance through our wellbeing programs. The working arrangements for this role are accurate as of the date of posting and may change based on project or client needs. Compensation $109,000-$128,000 This position is eligible for Cognizants discretionary annual incentive program, based on performance and subject to the terms of Cognizants applicable plans #J-18808-Ljbffr