Our Purpose

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary

• Lead Business Analyst
• ISO 20022/ISO 8583, Swift

RTP Overview:

Real-Time Payments (RTP) is a critical national payment infrastructure across multiple countries and a key pillar of Mastercard's core offering. It enables seamless, instant account-to-account payments and supports the evolving needs of customers, financial institutions, and regulators. RTP drives growth, innovation, and financial inclusion through resilient, scalable, and secure technology.
Joining the RTP team means contributing to a foundational layer of the global payments landscape, where your work directly supports seamless digitalisation and the modernization of payment systems worldwide.

Role Overview:

We are seeking a Messaging Expert with ISO 20022 experience to protect the fidelity of our real-time payments (RTP) international product suite and meet customer needs. This specialist role will focus on maintaining and updating Message Implementation Guides (MIGs) using industry-standard messaging tools and practices, ensuring alignment with global messaging standards and regulatory requirements.
Working as part of the Product Development function, the expert role will collaborate closely with product managers, architects, and the broader messaging SME community to ensure all artefacts are accurate, scalable, and aligned with Mastercard and industry-wide best practices.
You will also have the opportunity to work in product management by gathering, analysing, and documenting business requirements as user stories, and collaborating with development teams to deliver payment solutions.

Responsibilities:

• Develop, maintain, and update Message Implementation Guides (MIGs) for ISO 20022-based payment flows (e.g., credit transfers, returns, request to pay).
• Ensure message formats comply with ISO 20022, SWIFT and local/regional scheme rules and regulatory mandates.
• Define and manage XML ,JSON schema structures with precision, including schema validation, troubleshooting
• Translate business and technical requirements into compliant message formats in collaboration with product, tech, and external stakeholders.
• Oversee the end-to-end messaging lifecycle-from design through to testing and production support.
• Contribute to messaging governance frameworks ensuring clear documentation, auditability, and adherence to standards.
• Stay current with emerging standards (e.g., CPMI, scheme updates), tools (e.g., Oxygen XML Editor, XMLSpy), and industry best practices.
• Support impact assessments, root cause analysis, and defect resolution related to message implementation.
• Participate in agile delivery processes by gathering requirements, writing user stories, and supporting product documentation.
• Collaborate with internal SMEs to ensure scalable, high-quality solutions and continuous improvement across the product set.
• Experiences

• 5 years in payments or financial services, with hands-on experience in ISO 20022 messaging and payment standards.

• Deep understanding of XML and JSON schema structures, including element and data type definition, validation, and schema lifecycle management.
• Experienced in validating schema structures, troubleshooting schema-related issues, ensuring smooth data integration, and manage schema changes end to end
• Exposure to scheme or regulatory messaging requirements such as SWIFT CBPR+, domestic ISO migrations, or CPMI principles.
• Proven ability to create, review, and maintain Message Implementation Guides (MIGs) or structured message specifications.
• Proficiency with industry-standard messaging tools and practices (e.g. Swift My Standards, GEFEG.FX, schema diff tools, version control systems).
• Familiarity with the application of message types in real-time or cross-border payment flows.
• Exposure to scheme or regulatory messaging requirements such as SWIFT CBPR+ or domestic ISO migration programs.
• Experience working in Agile teams, contributing to user stories, impact assessments, and sprint planning.
• Strong analytical skills, attention to detail, and a collaborative approach to working with product, QA, and integration teams.
• Excellent communication and documentation skills, with the ability to convey complex message logic clearly to technical and business stakeholders.
• Involvement in SAFe Agile development programs.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard's security policies and practices;
• Ensure the confidentiality and integrity of the information being accessed;
• Report any suspected information security violation or breach, and
• Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.