Subject Matter Expert Payments Operations

About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

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 will you 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.

So why join us?

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong. 

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/. You can apply for this role by visiting ANZ Careers and searching for reference number 121387.

Job Posting End Date

17/08/2026, 11.59pm, IST