Job Title: Business Analyst - Credit Card PaymentsOverview / Summary We are seeking a Business Analyst with experience in credit card and digital payments processing to support the analysis, documentation, and delivery of payment solutions. The role involves gathering business requirements, supporting testing activities, collaborating with cross-functional teams, and ensuring payment systems align with compliance and industry standards.
Key Responsibilities - Elicit, document, and manage business and functional requirements for credit card payment processing systems, including authorization, clearing, settlement, chargebacks, and dispute resolution workflows.
- Translate business requirements into functional specifications, user stories, process flows, and data mapping documents for development and QA teams.
- Analyze end-to-end payment lifecycle processes, including card authorization, capture, refund, tokenization, 3D Secure (3DS), and fraud management.
- Collaborate with engineering, product, compliance, risk, operations, and external vendors/partners to define and deliver payment solutions.
- Support User Acceptance Testing (UAT), System Integration Testing (SIT), and regression testing, including test case review and defect management.
- Ensure payment solutions comply with PCI-DSS standards, regulatory requirements, and industry best practices.
- Facilitate stakeholder workshops, meetings, and Agile sprint ceremonies.
- Analyze payment data and transaction reports to identify trends, anomalies, and process improvement opportunities.
- Support go-live activities, post-implementation monitoring, and production incident resolution.
- Assist with documenting API specifications and integration guides for payment gateway and processor integrations.
Required Qualifications - 4-7 years of experience as a Business Analyst or Technical Business Analyst with a strong focus on credit card or digital payments processing.
- Deep knowledge of the payments ecosystem, including card networks, issuers, acquirers, payment gateways, and processors.
- Proficiency with payment authorization and settlement flows.
- Experience with PCI-DSS compliance requirements and tokenization/encryption concepts.
- Solid understanding of REST APIs and the ability to read and interpret API documentation and message schemas.
- Strong experience writing BRDs, FRDs, user stories, use cases, data flow diagrams, and process maps.
- Experience working in Agile/Scrum methodology using Azure DevOps.
- Excellent communication and stakeholder management skills.
Preferred Qualifications - Experience with 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay, Google Pay).
- Knowledge of chargeback and dispute management processes.
- Familiarity with payment platforms such as Fiserv, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, or Cybersource.
- CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP - Accredited ACH Professional).
- Experience with fraud detection tools and rules engines.
- Experience reconciling merchant activity to the system.
Technical Skills - Tools: MS Office Suite, Miro, Azure DevOps (ADO)
- Languages/Query: SQL, basic understanding of XML/JSON
- Standards: ISO 8583, ISO 20022, PCI-DSS, EMV
- Methodologies: Agile/Scrum, Waterfall, or Hybrid
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