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 complex business requirements into detailed 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, 3DS (3D Secure), and fraud management.
Collaborate with internal teams (engineering, product, compliance, risk, and operations) and external vendors/partners to define and deliver payment solutions.
Support and participate in UAT (User Acceptance Testing), system integration testing (SIT), and regression testing cycles, including reviewing test cases and defect management.
Ensure all payment solutions adhere to PCI-DSS compliance standards, regulatory requirements, and industry best practices.
Facilitate workshops, stakeholder meetings, and sprint ceremonies (in Agile environments) to drive alignment and timely delivery.
Analyze payment data and transaction reports to identify trends, anomalies, and areas for process improvement.
Support go-live activities, post-implementation monitoring, and production incident resolution related to payment systems.
Assist in documenting API specifications and integration guides for payment gateway and processor connectivity.
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: card networks, issuers, acquirers, payment gateways, and processors.
Proficiency with payment authorization/settlement flows.
Experience with PCI-DSS compliance requirements and tokenization/encryption concepts.
Solid understanding of REST APIs and ability to read and interpret API documentation and message schemas.
Strong skills in writing BRDs, FRDs, user stories, use cases, data flow diagrams, and process maps.
Experience working in Agile/Scrum methodology using tools such as 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.
Preferred Certifications: CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP Accredited ACH Professional).
Experience with fraud detection tools and rules engines.
Experience with reconciling merchant activity to the system
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