Payments Business Analyst

TNS Inc.; Adelaide; On-site; AUD 120,000 - 180,000; Full time

Benefits offered by this job

Competitive salary packages

Relocation opportunities

Job summary

TNS is seeking a Product Owner/Business Analyst to define payment solutions, ensure compliance, and translate business needs into technical requirements. You will lead the product backlog in an Agile environment, coordinating with product managers, clients and software teams to deliver secure, scalable payment capabilities.

You will work on protocols like ISO 8583 and NEXO, integrating with issuers, acquirers and payment processors, while ensuring PCI-DSS, PSD2 and SCA compliance across APIs and

Qualifications

• 5+ years as a Business Analyst or Product Owner in payments.
• Hands-on with ISO 8583, NEXO, EMV, and alternative payment methods.
• Experience with acquirers, PSPs, and payment processors.
• Proficient with payment APIs, RESTful services, JSON/XML messaging.
• Understanding PCI-DSS, PSD2, and SCA compliance.
• Ability to write BRDs, functional specs, and API documentation.
• Manage backlog and work in Agile/Scrum including backlog refinement.

Responsibilities

• Define payment solutions and ensure compliance.
• Translate business needs into technical requirements.
• Act as Product Owner, manage product backlog and priorities.
• Collaborate with product managers, clients and development teams.
• Lead stakeholder demos and gather feedback.

Skills

ISO 8583

NEXO

EMV

PCI-DSS

PSD2

SCA

Tools

RESTful APIs

JSON/XML

Job description

Overview

An extraordinarily talented group of individuals work together every day to drive TNS' success, from both professional and personal perspectives. Come join the excellence!

In this role, you will work closely with product managers, clients, and software development teams to define payment solutions, ensure compliance, and enhance our transaction processing capabilities. You will play a critical role in translating business needs into technical requirements while ensuring alignment with industry standards and best practices. You will also act as a Product Owner within the scrum team, managing the product backlog of requirements, priority and necessary clarification.

Responsibilities

• Payments & Industry Standards: Act as the subject matter expert on card payments, with working experience on EMV and Card Not Present (Ecommerce) projects. Provide expertise in payment protocols such as ISO 8583, NEXO ISO20022, and proprietary acquirer-specific messaging formats. Understanding the transaction lifecycle across issuers, acquirers, processors, and merchants. Familiarity with alternative payment options (e.g., digital wallets, BNPL etc.) Familiarity with Fuel Fleet Cards & Loyalty Cards desired. Work closely with scheme rules (Visa, Mastercard, AMEX, etc.), ensuring compliance with schemes such as EMV and PSD2/SCA regulations, PCI.
• Technical & API Integration: Collaborate with development teams to design and document payment API specifications, ensuring seamless integration with third-party providers. Define functional and non-functional requirements for payment processing applications, including authentication, authorization, and settlement flows. Document user stories and requirements, process flows, UI and UX mockups Work with tokenization, encryption, and security standards (PCI-DSS, 3DS, HSM, etc.) to ensure secure transactions.
• Product & Stakeholder Engagement: Partner with product managers to shape the payments roadmap and define requirements based on business needs and market trends. Act as a liaison between clients, acquirers, and payment processors, understanding their needs and providing technical guidance. Work within an Agile/Scrum environment, contributing to sprint planning, managing backlog refinement, and user story definition. Take a lead role in showcasing functionality which is being developed to stakeholders, seeking early feedback. Collaborate with other Business Analysts and colleagues, providing training and understanding of the payments industry and TNS services.

Qualifications

• 5+ years of experience as a Business Analyst in the payments industry.
• Experience working with protocols such as ISO 8583, NEXO, EMV, and alternative payment methods.
• Experience working with acquirers, PSPs, and payment processors.
• Hands-on experience with payment APIs, RESTful web services, and JSON/XML messaging.
• Understanding of regulatory and compliance frameworks (e.g., PCI-DSS, PSD2, SCA).
• Ability to write clear BRDs, functional specifications, and API documentation.
• Manage and maintain the product backlog, working as a product owner within a scrum team.
• Strong collaboration skills with cross-functional teams in an Agile environment.

If you are passionate about technology, love personal growth and opportunity, come see what TNS is all about!

Equal Opportunity Statement

TNS is an equal opportunity employer.

TNS evaluates qualified applicants without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity or expression, protected veteran status, disability/handicap status or any other legally protected characteristic.

With employees based in 21 countries around the world, TNS is a leading global provider of data communication and interoperability services to diverse industries, such as retail, banking, payment processing, telecommunications and the financial markets.

TNS' services extend to over 60 countries and we deliver mission critical solutions to many Fortune 500 companies.

TNS employees play a vital role in the delivery of our services and we recognize them as our most valuable asset.

Benefits

• competitive salaries and benefit packages
• opportunities to relocate to different locations, if your personal circumstances change