CASH AND TRADE PROCESSING ANALYST JOB DESCRIPTION

Processing payments is precise work. A single gap in Funds Transfer Network Compliance or a missed escalation in a restricted-transfer workflow can delay settlements and expose the institution to regulatory risk. The Cash and Trade Processing Analyst owns the day-to-day execution of payment flows, trade transactions, and wholesale card activity within a bank's transaction services operation. This role demands fluency in both the operational controls governing trade finance and the cross-functional coordination required to keep global payment infrastructure running without interruption.

As the Cash and Trade Processing Analyst, you will execute complex payment and trade transactions while serving as a subject matter expert for the Transaction Services team, ensuring all transfers, receivables, and trade activity are processed accurately and in full compliance with applicable procedures. You will work across internal operations, technology, and client-facing teams within a global banking environment, with scope that frequently spans multi-region workflows and time-zone constraints.

Career Impact: Hands-on ownership of Funds Transfer Network Compliance and restricted-transfer processing builds a verifiable track record in trade finance operations - a specialized credential that distinguishes candidates within global banking.

Business Impact: Errors in payment and trade transaction processing carry direct financial and regulatory consequences for institutional clients; the analyst's accuracy and judgment are what keep settlement timelines and compliance controls intact.

Growth Opportunity: Exposure to UAT cycles, process improvement initiatives, and cross-functional stakeholder management positions analysts for progression into senior operations, trade finance advisory, or transaction services leadership roles.

• Process payment transfers, receivables, trade transactions, liquidity flows, and wholesale card activity in compliance with applicable procedures and controls.
• Monitor critical process flows and system availability to ensure timely and accurate transaction execution across global payment infrastructure.
• Complete level-1 application troubleshooting in coordination with Technology Support to maintain stability and confidentiality of payment systems.
• Evaluate operational issues and recommend solutions based on data analysis, established precedent, and documented procedures.
• Prepare test cases and perform UAT and regression testing for system enhancements, migrations, and implementations, reviewing results for accuracy.
• Maintain and update standard operating procedures, incident response documentation, and process flow documentation for in-scope products.
• Liaise with internal operations teams, technology partners, and external clients to resolve transaction-level and system-related issues.
• Identify and deliver process improvement opportunities to support standardization and operational efficiency within the transaction services function.

• Bachelor's degree in Finance, Business, Economics, Accounting, or a related field, or equivalent work experience.
• 3 or more years of experience in financial transaction services, cash operations, or trade finance, with demonstrated exposure to payment processing workflows.
• Working knowledge of financial industry regulations and compliance controls governing funds transfer and trade finance operations.
• Proven ability to identify and escalate operational exceptions, including Red Flag indicators and restricted-transfer scenarios, per established procedures.
• Experience contributing to UAT, system migrations, or process documentation within a banking or transaction services environment.
• Strong written and verbal communication skills, with ability to coordinate across global, multi-region teams and time zones.
• Demonstrated ability to prioritize workload, manage multiple concurrent tasks independently, and maintain accuracy under operational pressure.

• Experience working within data center operations or with monitoring applications supporting mainframe, server, or network environments.
• Familiarity with Treasury, Cash Management, or Investments operations, with exposure to smart automation or process improvement methodologies.
• Prior experience supporting or building systems operations center documentation, including policy and procedure frameworks.
• Exposure to programming concepts or reporting tools sufficient to contribute to automation and dashboard development initiatives.

• Transaction accuracy rate, measuring adherence to zero-error processing standards across payment and trade workflows.
• UAT defect closure rate, reflecting thoroughness of testing completed before system enhancements go live.
• Escalation response time, measuring how quickly flagged compliance exceptions and restricted transfers are actioned.
• Incident documentation completeness rate, tracking whether response records meet procedural requirements after each system event.
• Process improvement submissions per cycle, indicating contribution to operational standardization and LEAN efficiency goals.
• Typical tools: productivity and reporting suites (commonly MS Office, Excel); operations monitoring dashboards (environment-specific).

• Base Salary Range: $60,000 to $85,000 annually, depending on experience and location.
• Bonus: Annual performance bonus, typically 5% to 10% of base salary.
• Equity: Uncommon at this level; possible at larger institutions via deferred compensation.
• Health Benefits: Medical, dental, and vision coverage; employer contribution standard.
• PTO: 15 to 20 days annually, plus federal holidays.
• Common Perks: Tuition reimbursement, professional development support, and global mobility opportunities.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Successful completion of a background check, including verification of employment history and applicable financial industry screenings, is required as a condition of employment. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under federal, state, or local law. Reasonable accommodations are available to individuals with disabilities throughout the application and employment process. Candidates must be authorized to work in the United States.

The Cash and Trade Processing Analyst owns the monitoring and troubleshooting of Funds Transfer systems, ensuring process integrity, timely escalation, and compliance across a global transaction services environment. Reporting to operations leadership and collaborating with Technology Support groups, this analyst delivers stable, audit-ready payment infrastructure that supports cross-regional business goals.

Key Responsibilities

• Monitor the integrity and timeliness of critical process flows, including communication of system and service availability.
• Complete level 1 application troubleshooting and analysis by working with Technology Support groups to ensure stability, reliability, and confidentiality of Funds Transfer systems.
• Create and update incident response documentation, communication, and coordination.
• Develop a comprehensive understanding of how application support areas integrate to achieve business goals.
• Ensure adherence to escalation processes to provide efficient, timely, high-quality support for all inquiries and problems.
• Participate in UAT, implementation, migrations, and system enhancements, ensuring Funds Transfer Network Compliance activities are completed in a timely manner. 
• Perform assigned duties and functions in a concise and logical manner.
• Exchange ideas and information, support project initiatives, and help create process improvements.

Required Qualifications

• 3-5 years of experience with financial transaction services organizations.
• Operational experience with monitoring and management applications supporting network, storage, server, or mainframe environments.
• Experience assisting with the development and documentation of systems operations center or data center management processes, policies, and procedures.
• Experience working with global and multi-region initiatives and teams.
• Familiarity with metrics and reporting best practices.
• Experience with programming languages and tools desired but not necessary.
• Strong ability to plan, organize workload, and communicate appropriately to relevant stakeholders.
• Flexibility required due to the time zone constraints of a Global Program.

Embedded within the transaction services function, the Cash and Trade Processing Analyst delivers zero-error processing of payments, trade transactions, and restricted transfers while serving as a full-time backup for the authorizer role. Working closely with operations leadership and compliance teams, this analyst upholds product and process standards that protect client relationships and support process standardization across migrated workflows.

Core Functions

• Display a client-centric approach and take full ownership and accountability of tasks.
• Maintain nil errors through 100% adherence to product and process standards.
• Ensure nil customer complaints and escalate or highlight problem incidences as needed.
• Serve as a full-time backup for the authorizer role.
• Understand and follow the Red Flags identification process.
• Deliver process improvement ideas and work toward standardization of migrated processes.

Education & Experience

• Bachelor's degree with 4–5 years of experience in India Trade Operations/Services, or postgraduate qualification (preferably in Finance) with 4 years of experience in India Trade Operations/Services.
• 5-6 years of experience in a related role.
• Assertive with excellent customer service and multitasking ability; multitasking is a must.
• Excellent written and verbal communication skills.
• Ability to prioritize and organize own workload.
• Strong teamwork and interpersonal skills.
• Proficiency with Excel, Word, and other MS Office applications.

Reporting to operations management, the Cash and Trade Processing Analyst executes day-to-day trade finance transactional processing, ensures regulatory compliance, and builds comprehensive standard operating procedures across all in-scope products. Partnering with CBA Operations teams and Citi Technology, this analyst resolves operational and technology issues while driving continuous LEAN process improvements that directly affect service delivery and client outcomes.

Primary Duties

• Perform day-to-day operational tasks in trade finance transactional processing and deliver services per agreed standards and turnaround times.
• Ensure compliance with policies, procedures, and guidelines governing trade finance operations.
• Prepare test cases and perform UAT/regression testing, reviewing results to ensure they are in order.
• Train team members by attending training on systems, products, and processes and transferring knowledge accordingly.
• Understand process flows for all in-scope products and build or update comprehensive standard operating procedures.
• Liaise with stakeholders including CBA Operations teams and Citi Technology to resolve operational and technology issues.
• Identify opportunities for consistent improvement to ensure an efficient and LEAN process.

Skills & Qualifications

• Recognized tertiary education in Banking, Business, Finance, Economics, Accounting, or Management.
• 1-4 years of experience in international trade finance preferred; fresh graduates with a second class upper honours degree encouraged to apply.
• Sufficient knowledge of PC software applications such as Microsoft Office.
• Good proficiency in English (written and oral).
• Dynamic team player able to work in a highly challenging environment.
• Fast learner willing to adapt and work early or staggered shifts.
• Effective communication, interpersonal skills, and ability to work independently with minimal supervision.

Sitting at the intersection of operations and analytics, the Cash and Trade Processing Analyst produces customized transaction services reports, manages complex client inquiries, and supports automation and dashboard initiatives within a cash and trade processing environment. Operating across Technology, Product, and Operations partners, this analyst strengthens data accuracy and reporting cycles that inform Treasury, Investments, and Cash Management decision-making.

Duties

• Provide data input to ensure correct execution of automatic processes and maintain accurate, on-time product dashboard updates.
• Assist in new automations and dashboard creation.
• Manage day-to-day internal complex client inquiries.
• Produce weekly, monthly, and quarterly management reports as well as specialized ad hoc reporting, communications, and special projects.
• Create customized transaction services reports based on data analysis.
• Participate in and facilitate resolution of system outages with relevant partners including Tech, Product, and Operations.
• Resolve quality issues using technical expertise and judgment to conduct complex analysis.

Experience & Qualifications

• Bachelor's degree in Business, Finance, or other relevant discipline.
• 5-9 years of experience.
• Treasury, Investments, or Cash Management knowledge desirable.
• Process Improvement and Smart Automation tools desirable.
• Proficiency in MS Office.
• Service-oriented and professional with strong client focus, accountability, and proactive approach.
• Excellent organization, administrative, and independent thinking skills with willingness to work analytically and solve problems.
• Flexibility, versatility, and willingness to learn and develop.