Business Process Analyst

Role: Business Process Analyst

Location: San Antonio, TX

Mode Of Hire: Full Time

Job Summary:

As a Core Banking and Debit Card Business Process Analyst, you will play a critical role in analyzing, designing, and optimizing processes related to core banking systems and debit card transaction processing. You will collaborate with business stakeholders, IT teams, and external vendors to drive process improvements that enhance performance, regulatory compliance, and customer experience.

Key Responsibilities:

1. Process Analysis and Improvement (Core Banking & Debit Cards):

• Collaborate with internal stakeholders and clients to understand business processes related to debit card issuance, authorization, transaction processing, settlement, and disputes.
  Analyze end-to-end workflows across core banking and card systems to identify inefficiencies, pain points, and opportunities for automation or optimization.
  Use industry-standard business process modeling techniques (e.g., BPMN) to document as-is and to-be processes.
  Define KPIs to measure success (e.g., transaction success rate, dispute turnaround time, card activation rate, fraud detection rate).

1. Requirements Gathering and Technical Documentation:

• Lead workshops and stakeholder interviews to elicit functional and non-functional requirements.
  Translate business needs into clear, detailed process documentation, use cases, BRDs, and functional specifications.
  Work closely with technology teams to ensure business needs are properly translated into technical requirements for core banking systems, middleware, and card networks.
  Ensure alignment with technical protocols like ISO 8583, SOAP/REST APIs, and data file formats used in card processing.

1. Stakeholder Collaboration & Vendor Engagement:

• Act as a liaison between business users, IT, compliance, operations, and card processor partners (e.g., Visa DPS, TSYS, FIS, Jack Henry).
  Facilitate cross-functional meetings and decision-making forums to ensure stakeholder alignment.
  Build trusted relationships across departments and advise on industry best practices in debit card operations, routing optimization, and fraud controls.

1. Solution Design and Implementation:

• Support solution architecture for enhancements to card systems or banking platforms (e.g., integration of virtual debit cards, contactless support, or mobile wallet provisioning).
  Partner with developers and QA teams to support implementation and testing of new card products or processing enhancements.
  Design and execute user acceptance testing (UAT) and post-implementation validation.
  Deliver end-user training and onboarding documentation for new workflows.

1. Compliance, Risk, and Continuous Improvement:

• Ensure process designs adhere to relevant regulatory frameworks (e.g., Reg E, Durbin Amendment, PCI DSS).
  Monitor process KPIs and system logs to identify bottlenecks or anomalies proactively.
  Conduct post-launch reviews and contribute to a culture of continuous improvement.
  Stay current with industry trends, including embedded finance, real-time payments, and card network innovations.

Skills Required:-

• Strong understanding of core banking systems (e.g., Systematics ideally.).
  Direct experience with debit card lifecycle, including transaction authorization, settlement, chargebacks, and fraud controls.
  Familiarity with card network protocols (e.g., ISO 8583), third-party processors, and switching/routing strategies.
  Knowledge of key compliance frameworks such as Reg E, PCI DSS, and network rules (main req is Visa).
  Excellent interpersonal skills and ability to build rapport with both technical and non-technical stakeholders.
  Strong analytical mindset, attention to detail, and problem-solving orientation.
  Ability to prioritize and manage multiple initiatives in a fast-paced environment.
  Proficiency with process modeling tools and business documentation (e.g., Visio, Lucidchart, Confluence, Jira).
  Strong presentation skills and command of MS PowerPoint, Excel, and Word.

Preferred Qualifications:

• 5+ years of experience in core banking or payment processing environments.
  Prior experience working with card issuing platforms, dispute management systems, or fraud/risk engines.
  Certifications such as CBAP, Lean Six Sigma, PMI-PBA, or PCIP are a plus.

Performance Metrics:

• Reduction in transaction failures or decline rates.
  Reduction in time to onboard or update debit card programs.
  Improvement in dispute resolution times.
  Uptime and resiliency of core banking-card integrations.
  Positive audit/compliance outcomes.