Payments Solutions Analyst - Cards & Real-Time

Cuscal; Sydney; On-site; AUD 90,000 - 130,000; Full time

Job summary

Cuscal is seeking a skilled Business Analyst – Payments to lead complex payments initiatives across Cards and real-time settlement. You will translate business needs into actionable user stories, drive discovery, and partner with product, technology and clients to deliver value.

Ideal candidates will have deep payments expertise, experience with cards switching, NPP and messaging standards, and a proven ability to work in enterprise environments using data-driven approaches.

Qualifications

• Must have experience in cards switch processing
• Hands-on knowledge of AS2805/ISO8583 messaging
• Experience setting up debit, credit and prepaid card products
• Understanding of dual message processing
• Knowledge of card schemes (Visa, Mastercard, eftpos) and scheme compliance
• Experience with New Payments Platform (NPP)
• Understanding of PayID, PayTo, CoP and PACs messaging
• Familiarity with SWIFT messaging standards
• Expert in requirements gathering and documentation
• Strong skills in process mapping, gap analysis and technical specifications
• Ability to lead workshops and drive stakeholder alignment
• Proven experience working with technical teams in agile environments
• Strong data analysis skills including SQL and Oracle
• Exposure to digital wallets and tokenisation
• Experience with financial crime/fraud systems in Cards or NPP

Responsibilities

• Translate requirements into clear user stories with acceptance criteria
• Produce high-quality artefacts including process maps, gap and impact analysis
• Support delivery teams through refinement and solution design
• Drive data validation, reconciliation and migration activities
• Partner with stakeholders across product, engineering and external clients
• Lead workshops and align stakeholders across teams
• Collaborate with technical teams in agile environments
• Apply strong data analysis to support decision making (SQL/Oracle)

Skills

cards switch processing

AS2805/ISO8583 messaging

debit/credit/prepaid card products

dual message processing

card schemes (Visa/Mastercard/eftpos)

New Payments Platform (NPP)

PayID/PayTo/CoP/PACs messaging

SWIFT messaging standards

requirements gathering

process mapping

stakeholder workshop facilitation

data analysis (SQL, Oracle)

digital wallets and tokenisation

financial crime/fraud systems in Cards

Job description

Cuscal is seeking a skilled Business Analyst – Payments to lead complex payments initiatives across Cards and real-time settlement. You will translate business needs into actionable user stories, drive discovery, and partner with product, technology and clients to deliver value.

Ideal candidates will have deep payments expertise, experience with cards switching, NPP and messaging standards, and a proven ability to work in enterprise environments using data-driven approaches.