Business Analyst - Digital Payments

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.

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

Technical Skills

•  Tools: MS Office Suite, Miro, ADO

•  Languages/Query: SQL, basic understanding of XML/JSON

•  Standards: ISO 8583, ISO 20022, PCI-DSS, EMV

•  Methodology: Agile/Scrum, Waterfall, or hybrid