Technical Business Analyst

Job Duties

• Gather, analyze, document, and manage business and functional requirements for credit card payment processing systems.
• Translate business needs into detailed functional specifications, user stories, process flows, data mapping documents, and other technical artifacts.
• Analyze end-to-end payment processing workflows, including authorization, capture, settlement, refunds, tokenization, fraud prevention, and dispute resolution.
• Collaborate with engineering, product, compliance, risk, operations, and third-party partners to design and implement payment solutions.
• Support User Acceptance Testing (UAT), System Integration Testing (SIT), and regression testing by reviewing test cases, validating results, and managing defects.
• Ensure payment solutions comply with PCI-DSS standards, regulatory requirements, and industry best practices.
• Facilitate stakeholder meetings, requirements workshops, sprint planning sessions, and other Agile ceremonies.
• Analyze payment transaction data to identify trends, anomalies, and opportunities for process improvement.
• Support production deployments, go-live activities, post-implementation monitoring, and issue resolution.
• Assist with documenting API specifications and integration requirements for payment gateways and processors.

Job Requirements

• 4+ 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 payment processors.
• Experience with payment authorization and settlement processes.
• Experience with PCI-DSS compliance requirements and tokenization/encryption concepts.
• Strong understanding of REST APIs and the ability to read and interpret API documentation and message schemas.
• Experience creating BRDs, FRDs, user stories, use cases, process maps, and data flow diagrams.
• Experience working in Agile/Scrum environments using Azure DevOps or similar tools.

Preferred Qualifications

• Experience with 3D Secure (EMV 3DS), EMV chip technology, contactless payments, and digital wallets such as Apple Pay and Google Pay.
• Familiarity with payment platforms including Fiserv, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, or Cybersource.
• CBAP, PMI-PBA, Accredited ACH Professional (AAP), or other relevant business analysis or payments industry certifications.