System Tester / QA Analyst – Payments & Funds Transfer
Job Summary
The System Tester / QA Analyst is responsible for ensuring the quality, reliability, and compliance of payment systems, with a strong focus on Telegraphic Transfer (TT), RENTAS, GIRO, and DuitNow. The role involves validating end-to-end payment flows, system integrations, regulatory compliance, and ensuring seamless processing across internal and external payment networks.
Key Responsibilities
Testing & Quality Assurance
- Analyze business and functional requirements related to TT, RENTAS, GIRO, and DuitNow payment systems.
- Design, prepare, and execute test cases, test scenarios, and test scripts for system, integration, regression, and user acceptance testing.
- Perform end-to-end testing of payment transactions including initiation, validation, routing, settlement, reconciliation, and reporting.
- Validate transaction handling for success, failure, reversal, retry, timeout, and exception scenarios.
- Conduct negative, boundary, and volume testing to ensure system robustness.
Payment Systems Coverage
- Telegraphic Transfer (TT):
- Test inward and outward remittance flows
- Validate FX handling, charges, cut-off times, and MT messages where applicable
- RENTAS:
- Verify high-value payment processing, settlement cycles, and status updates
- Ensure alignment with BNM rules and timelines
- GIRO:
- Validate bulk payments, batch processing, clearing cycles, and returns
- DuitNow:
- Test DuitNow Transfer, QR, ID mapping (NRIC, mobile number, business registration)
- Validate real-time crediting, participant bank routing, and failure handling
Integration & Data Validation
- Perform testing on interfaces and integrations with core banking systems, channels (internet/mobile banking), and external parties.
- Validate message formats, data mapping, and database updates.
- Reconcile transaction data between source systems, middleware, and downstream systems.
Defect Management & Reporting
- Log, track, and manage defects using defect management tools.
- Work closely with developers, business analysts, and vendors to resolve issues.
- Prepare test execution reports, defect summaries, and test closure reports.
Compliance & Standards
- Ensure testing complies with Bank Negara Malaysia (BNM) guidelines and internal risk controls.
- Validate audit logs, security controls, and access rights related to payment processing.
Collaboration & Support
- Support UAT
- Participate in requirement walkthroughs and design reviews.
- Provide test input during changes, enhancements, and regulatory updates.
Required Skills & Experience
Functional / Domain Skills
- Strong hands-on experience testing banking payment systems.
- Proven experience with:
- Telegraphic Transfer (TT)
- RENTAS
- GIRO
- DuitNow
- Good understanding of payment lifecycles, settlement, clearing, and reconciliation processes.
Technical Skills
- Familiarity with test management and defect tracking tools.
- Understanding of batch and real-time processing environments.
Soft Skills
- Strong analytical and problem-solving skills.
- Attention to detail with a focus on accuracy and risk.
- Good communication skills to work effectively with business, IT, and external stakeholders.
- Ability to work independently and under tight timelines.
Preferred Qualifications
- Experience in banking, financial institutions, or payment service providers.
- Exposure to regulatory-driven projects or payment system migrations.
- Certification in software testing or QA is an advantage.
