ACI MTS Payment - Subject matter expert.
Charlotte, NC/New York, NY/New Jersey, NJ (Need Day 1 Onsite, hybrid 3 days from office).
Job Description:
We are seeking a highly skilled and motivated ACI MTS Product Owner & Subject Matter Expert (SME) to lead and manage our ACI MTS payments platform. The ideal candidate will be responsible for overseeing the end-to-end functionality of the product, ensuring seamless payments initiation, validation, routing, and settlement, both domestically and cross-border transfers.
Responsibilities:
ACI MTS Product Ownership & Expertise
- Act as the primary SME for ACI MTS, including:
- Payment's initiation, validation, routing, and settlement
- Liquidity and account management
- Cut-off times, exception handling, and reconciliation
- Configure and manage MTS payment flows for domestic and cross-border transfers (RTGS, ACH, wires, SWIFT-based flows where applicable)
- Drive product upgrades, patches, and version migrations, ensuring zero or minimal disruption
Payments Processing & Operations
- Support high-availability, low-latency payment processing environments
- Troubleshoot complex production issues involving:
- Payment failures
- Settlement mismatches
- Queue backlogs
- Liquidity constraints
- Partner with operations teams to improve STP rates, throughput, and resilience
Integration & Architecture
- Design and oversee integrations between MTS and:
- Core banking systems
- Fraud and AML platforms
- Treasury, GL, and reconciliation systems
- External clearing and settlement networks
- Ensure correct use of message formats, adapters, and APIs within the MTS ecosystem
Compliance & Controls
- Ensure MTS configurations comply with:
- Regulatory requirements (e.g., AML, sanctions screening, auditability)
- Internal risk and operational controls
- Support audits, regulatory exams, and control testing involving payment flows
Stakeholder & Delivery Leadership
- Act as a trusted advisor to business, operations, and technology stakeholders
- Translate business payment requirements into MTS-aligned solutions
- Mentor junior team members and build internal MTS knowledge depth
- Work closely with ACI support and product teams for escalations and roadmap alignment
Core Skills
- Extensive hands-on experience with ACI MTS in a production banking or payments environment
- Strong understanding of:
- Payment lifecycles and settlement mechanics
- Real-time and batch payment processing
- Exception handling and reconciliation
- Proven experience supporting mission-critical, high-volume payment platforms
- Deep knowledge of payments operations and controls
Technical & Functional Skills
- Experience with MTS configuration, workflows, and parameterization
- Understanding of:
- Messaging standards (ISO 20022, proprietary formats, SWIFT where applicable)
- Databases, batch processing, and scheduling
- Ability to read logs, analyze failures, and drive root-cause analysis
Domain Expertise
- Strong background in:
- Banking payments
- Clearing and settlement systems
- Treasury and liquidity management
- Experience in regulated financial institutions preferred
Preferred, but not required:
- Experience working directly with ACI Worldwide support or professional services
- Exposure to other ACI products (e.g., UPF, PPF, Base24, Wires platforms)
- Prior role as payments platforms owner or lead SME
- ITIL-based production support experience