Senior Payments Business Subject Matter Expert

Job Purpose

Drive the transformation and future direction of Maybank Group's payments business as the primary business subject matter expert across domestic, regional and cross-border payments. Working with the Payments CoE Lead and stakeholders across Business, Operations, Technology, Risk and Compliance, the role will translate strategy and customer needs into scalable, secure, resilient and commercially relevant future-state payment capabilities across ASEAN.

The role provides end-to-end expertise across payment products, customer journeys, market infrastructures, scheme rules, operating models, controls and servicing practices, while supporting delivery from discovery and design through testing, deployment, adoption and benefits realisation.

Key Responsibilities:

Payments transformation leadership

• Act as the full-time Payments Business SME supporting the Group payments transformation and Core Banking Transformation programmes.
• Advise the Payments CoE Lead and programme governance forums on payment strategy, business priorities, design decisions, dependencies and trade-offs.
• Shape regional blueprints and market-specific requirements for scalable payment capabilities across Maybank markets.

Payments domain expertise

• Maintain end-to-end expertise across domestic, instant, real-time, batch, cross-border, digital and corporate payments, including cash management use cases.
• Cover payment initiation, validation, routing, orchestration, sanctions and fraud controls, clearing, settlement, liquidity, reconciliation, investigations, returns and exception management.
• Provide practical knowledge of ASEAN domestic payment rails, SWIFT, correspondent banking, ISO 20022 and regional cross-border payment linkages.

Business analysis and solution design

• Study and assess the current-state payments landscape across customer journeys, products, channels, processes, systems, operating models, controls and market-infrastructure dependencies.
• Identify and map complete end-to-end payment processes, including upstream and downstream activities, hand-offs, decision points, data flows, control points, clearing, settlement, reconciliation and exception management.
• Document current-state processes, process variations, pain points, root causes, business rules, risks, controls and dependencies using clear process maps, inventories and supporting analysis.
• Propose prioritised process, product, operating-model and technology improvements to enhance customer experience, straight-through processing, turnaround time, scalability, control effectiveness, resilience and commercial outcomes.
• Lead discovery sessions, process reviews, design workshops, impact assessments and business requirements definition.
• Define future-state customer journeys, business rules, process maps, functional requirements, acceptance criteria and target operating model requirements.
• Challenge assumptions and recommend solutions that are customer-focused, scalable, secure, compliant, resilient and operationally sustainable.

Delivery, governance and adoption

• Support prioritisation, governance, vendor and technology engagement, testing, migration, implementation and post-implementation stabilisation and continuous improvement.
• Ensure traceability from business outcomes and requirements through solution design, testing and production readiness.
• Drive stakeholder alignment, business readiness, adoption and measurable benefits realisation across Group and country teams.

Market insight, risk and controls

• Monitor payment market developments, regulatory changes, scheme requirements and emerging capabilities relevant to ASEAN.
• Benchmark Maybank against regional and global banks and identify opportunities to improve customer experience, revenue, processing efficiency and regional connectivity.
• Embed regulatory, operational risk, fraud, liquidity, settlement, data, security, resilience and audit requirements into solution design.

Qualifications and Experience:

• Bachelor's degree in Business, Banking, Finance, Economics, Technology or a related discipline.
• Minimum of 10 years of relevant experience in payments, transaction banking, cash management, payments product management, payments operations or payments transformation.
• Proven experience in a payments product or transformation team within a regional or global bank.
• Demonstrated knowledge of domestic payment schemes and market infrastructures across ASEAN, together with cross-border payments and correspondent banking.
• Working knowledge of real-time payments, SWIFT, ISO 20022, payment hubs or orchestration platforms, clearing and settlement, reconciliation, investigations and exception handling.
• Experience delivering complex, multi-country transformation initiatives and working across Business, Operations, Technology, Risk, Compliance and external partners.
• Professional certification in payments, transaction banking, SWIFT, ISO 20022, Agile or business analysis is an advantage.