Subject Matter Expert Payments Operations

Job Summary

The Subject Matter Expert in Payments Operations role exists to provide expert-level guidance, ensure operational accuracy, and drive process excellence across domestic and international payment workflows. It spans oversight of complex transactions, risk mitigation, stakeholder engagement, and continuous improvement initiatives within the Australian payments landscape.

Banking is changing and we re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you ll be building your future, while helping to build ours.

Role Type: Permanent. Role Location: Bengaluru. Work Schedule: Early Morning Shift (4 AM Login)

What will your day look like

As a Subject Matter Expert, you will be responsible for:

• Acting as the Subject Matter Expert (SME) for Australian payment systems, providing expert guidance on domestic and international payment processes, including BECS, NPP, SWIFT, and MIP.
• Supporting operations teams by resolving complex transactions, payment exceptions, escalations, and reconciliation issues.
• Monitoring operational performance, identifying error trends, and conducting root cause analysis to enhance accuracy and efficiency.
• Ensuring compliance with regulatory requirements and internal control standards, including APRA and AML/CTF obligations.
• Contributing to audit, risk management, and control testing activities to strengthen operational resilience and governance.
• Developing, maintaining, and enhancing process documentation, SOPs, and training materials, while supporting capability development across the team.
• Collaborating with internal stakeholders and external partners to drive process improvements, automation initiatives, and strategic transformation projects.

What you will bring

To grow and be successful in this role, you will ideally bring:

• 3-5 years of experience in payments, transaction processing, banking operations, fintech, or corporate treasury, with a strong understanding of both domestic and international payment platforms.
• A solid understanding of Australian payment systems, including BECS, NPP, SWIFT, MIP, and RTGS, with expertise in end-to-end payment processing, reconciliation, and settlement cycles.
• Strong knowledge of regulatory and compliance frameworks, including APRA guidelines, AML/CTF obligations, and RBA standards, with experience supporting audits, risk reviews, and control testing activities.
• Proven experience in reconciliation, exception management, escalations, and operational risk controls, complemented by strong analytical and problem-solving skills.
• Excellent communication, stakeholder management, and training skills, with experience in developing SOPs, process documentation, and knowledge-sharing initiatives.
• A Bachelor s degree in Finance, Business Administration, Accounting, Economics, or a related field (Master s degree or MBA preferred), along with a collaborative mindset and a passion for continuous improvement, automation, and operational excellence.

You re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we d love to hear from you.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.