**Job summary** experienced in the definition and elaboration of user stories based on requirements provided by business stakeholders and product owners. Formulates and defines system scope and objectives through research and fact-finding combined with an understanding of applicable business systems and industry requirements. Includes analysis of business and user needs documentation of requirements and translation into proper system requirement. **Responsibilities** XCT: Extensive experience and understanding of the processing of Domestic and Cross Border Payments based on SWIFT (SWIFT ISO20022 CBPR+ EBA CHAPS TARGET2). OPF: general payments knowledge payment gateway SEPA/SCTINST: SEPA CT SEPA DD SEPA Instant Payment CBIS: payment gateway accounting XXS: payment knowledge - nice to have around Fraud Charges Foreign Exchange micro services **Certifications Required** OPF payment gateway Cognizant is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.