Interchange Business Analyst

About the role

We're looking for an innovative Interchange Business Analyst to join our team. You'll analyze card transactions, communicate findings, and support accurate transaction processing. Your work directly impacts financial risk reduction and client outcomes.

Responsibilities

• Analyze downgraded and reclassified card transactions to determine root causes and document findings with clear evidence
• Trend client interchange performance and identify patterns, exceptions, and drivers affecting qualification outcomes
• Communicate research findings, issue impacts, and recommended actions to clients in a clear and actionable manner
• Validate test files during key implementation timeframes to support upcoming association changes and reduce operational impact
• Partner with internal teams to investigate issues, align on resolution steps, and provide guidance on interchange-related questions
• Configure or support automation-related reporting and services to improve analysis, monitoring, and operational efficiency
• Build working knowledge of interchange processes, merchant submissions, card brand rules, and Fiserv platform requirements to support accurate analysis
• Use artificial intelligence (AI) tools such as Microsoft Copilot, prompting techniques, or similar technologies to improve research, analysis, and workflow efficiency

Requirements

• 3+ years of experience in financial services, banking, payment processing, credit card processing, or a related risk-focused environment
• 3+ years of experience analyzing card interchange processes, qualification outcomes, transaction exceptions, or merchant submission issues
• 3+ years of experience performing root cause analysis, trend analysis, and issue resolution in a client-facing or operational environment
• Experience communicating technical findings, issue impacts, and recommended actions to clients and internal stakeholders
• Experience configuring, supporting, or maintaining automation reporting, automated services, or similar operational workflows
• Experience learning new systems, tools, and workflows quickly, including use of proprietary platforms such as IMS or similar systems, with the ability to ramp up through on-the-job training
• Experience using artificial intelligence (AI) tools such as Microsoft Copilot, effective prompting techniques, or similar productivity tools in an analytical work environment

Qualifications

• Bachelor's Degree in Business, Finance, Analytics, or a related field or equivalent combination of education, related experience and/or military experience
• Experience working with card brand rules and regulations
• Experience with transaction processing systems and payment platform operations
• Experience collaborating across operations, client support, technology, and product teams
• Certified Business Analysis Professional (CBAP) certification or equivalent certification or equivalent combination of education, related experience and/or military experience

Skills

• Strong analytical and problem-solving skills
• Excellent communication and interpersonal skills
• Proficiency in Microsoft Office Suite
• Ability to work independently and as part of a team
• Knowledge of Fiserv platforms and card brand rules

Benefits

• Fuel Your Life program to support your physical, financial, social, and emotional well-being
• Paid holidays and generous time away policies
• No-cost mental health support through Employee Assistance Programs
• Living Proof program to recognize your peers' extra effort with points redeemable for rewards
• Eight Employee Resource Groups to foster a collaborative culture and expand your network
• Unparalleled professional growth with training, development, and internal mobility opportunities
• Medical, dental, vision, life, and disability insurance options available from day one
• Retirement planning including 401k match and discounted shares with the Employee Stock Purchase Plan
• Tuition assistance and reimbursement program

Pay

$48,000.00 - $65,000.00 per year. These pay ranges apply to employees in Maryland. Pay ranges for employees in other states may differ.