Sr. Interchange Strategy Analyst, Payments

Tyler Technologies, Inc.; Plano (TX); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Competitive benefits

Health and financial wellness support

Job summary

A leading software solutions firm is seeking a Sr. Interchange Strategy Analyst to optimize interchange rates and enhance payment strategies. The role involves partnering with VP-level leaders to analyze financial performance across diverse public-sector payments. Candidates should have a Bachelor's in Business, Finance, or Statistics and 3–5 years of experience in payment analytics. Strong analytical and Excel skills are required, with familiarity in Power BI preferred. The position is based in Plano, Texas.

Qualifications

• 3–5+ years of experience in credit card processing or payment analytics.
• Understanding of interchange structures and card brand fees.
• Demonstrated experience with processor analysis and financial recommendations.

Responsibilities

• Analyze processor files and transaction data for fee optimization.
• Monitor downgrade trends and assess public-sector MCC usage.
• Partner with teams to implement interchange strategies.

Skills

Analytical skills

Attention to detail

Problem-solving

Communication skills

Education

Bachelor’s degree in Business, Finance, Statistics

Tools

Excel

Power BI

Job description

Overview

Tyler continues to advance its strategic focus on growing transaction‑based revenue, and we are looking for a strategic, detail‑oriented analyst to help in accelerating that momentum. As our Sr. Interchange Strategy Analyst you will partner with VP‑level leaders and cross‑functional teams to recommend and drive initiatives that optimize interchange rates, reduce downgrades, and improve cost‑efficiency across Tyler’s portfolio. In this newly created role, you will take the lead in analyzing the financial and operational performance across Tyler’s diverse public‑sector payment types. You will research processor data files, merchant statements, pricing scenarios, and industry rules to uncover opportunities that enhance Tyler’s revenue, reduce Tyler’s costs, and improve overall portfolio profitability. This is a high‑impact role for a self‑starter who wants to directly influence Tyler’s payment growth trajectory by shaping interchange costs strategy and establishing long‑term best practices.

Location

Yarmouth, Maine | Troy, Michigan | Plano, Texas | Overland Park, Kansas

Responsibilities

Interchange & Fee Optimization

• Analyze processor files and transaction data to evaluate effective rates, fee optimization opportunities, and margin outcomes.
• Provide targeted recommendations to optimize interchange costs across Tyler’s portfolio.
• Monitor downgrade trends and manage qualification factors (Level II, Level III, CEDP). Provide impact assessments and implementation guidance.
• Assess public‑sector MCC usage across Tyler’s market segments and transaction channels.
• Serve as a subject‑matter expert on interchange structures, pricing models, card brand fees, and network rules.
• Analyze financial and operational performance across Tyler’s public‑sector payment types.
• Provide benchmark guidance by market segment and payment type.
• Anticipate, evaluate, and model the impact of card‑brand rule changes on portfolio performance.
• Model revenue and expense impacts for proposed initiatives.
• Monitor processor revenue streams to identify margin erosion, underpayment, and missed optimization opportunities.
• Partner with VP‑level leaders and cross‑functional Product, Engineering, Finance, and Merchant Services teams to: (1) implement interchange optimization strategies, (2) develop pricing models and cost analyses and (3) support new merchant onboarding best practices
  Interpret processor contracts and Schedule A terms in detail.
• Produce monthly interchange reporting packages for leadership.
  Develop dashboards and command centers to track interchange trends, profitability, and cost drivers.

Portfolio Performance & Financial Modeling

• Analyze financial and operational performance across Tyler’s public‑sector payment types.
• Provide benchmark guidance by market segment and payment type.
• Anticipate, evaluate, and model the impact of card‑brand rule changes on portfolio performance.
• Model revenue and expense impacts for proposed initiatives.
• Monitor processor revenue streams to identify margin erosion, underpayment, and missed optimization opportunities.

Cross‑Functional Strategy & Implementation

• Partner with VP‑level leaders and cross‑functional Product, Engineering, Finance, and Merchant Services teams to: (1) implement interchange optimization strategies, (2) develop pricing models and cost analyses and (3) support new merchant onboarding best practices
  Interpret processor contracts and Schedule A terms in detail.
• Reporting, Dashboards & Insights
• Produce monthly interchange reporting packages for leadership.
  Develop dashboards and command centers to track interchange trends, profitability, and cost drivers.

Qualifications

• Bachelor’s degree in Business, Finance, Statistics, or equivalent experience.
• 3–5+ years of experience in credit card processing, payment analytics, acquiring industry – or demonstrated success in adjacent field
• Understanding of interchange structures, interchange discount qualification logic, network rules, card‑brand fees, and acquiring economics.
• Independent, self‑motivated, curious, and entrepreneurial mindset.
• Demonstrated experience with processor/IFDA analysis and creating actionable financial recommendations.
• Familiarity with major processors such as Fiserv, Global Payments, and Chase.
• Advanced Excel skills and experience with Power BI or similar tools.
• Fintech experience preferred. Experience working with government merchants, utilities, tax payments, or public‑sector entities a plus.

Taking Care of You & Your Family

Your health and well‑being are important to us. That’s why we invest in our team members by offering competitive benefits to support their health and financial wellness. Learn more about how we care for our people.

Requisition Number:2026-8602

Tyler Technologies is proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to race, creed, gender, marital status, sexual orientation, citizenship status, color, religion, national origin, age, disability, protected veteran status, or any other status protected under local, state, or federal laws. If you require reasonable accommodation for any part of the application or hiring process due to a disability, please submit your request by emailing [e-mail] or by calling 800.646.2633 ext. 791008. Please keep in mind these methods are reserved for individuals who require accommodation due to a disability.

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