Strategic Interchange Analyst

Jonas Software; United States; Remote; USD 140,000 - 200,000; Full time

Job summary

Constellation Payment Processing seeks a Strategic Interchange Analyst to own interchange, routing, and cost optimization across the payments portfolio. You will leverage deep interchange knowledge with data analysis to drive cost reductions and portfolio improvements.

The role requires hands-on SQL and Python (or Java), experience with Visa/Mastercard rules, and the ability to present data-driven insights to technical and commercial teams.

Qualifications

• 5+ years in payments, merchant acquiring, processing or related field.
• Deep knowledge of Visa/Mastercard interchange, network fees and rules.
• Strong understanding of payments ecosystem including PayFacs and processors.
• Advanced SQL proficiency with large datasets.
• Proficiency in Python or Java for analysis and automation.
• Experience using AI tools to automate workflows and insights.

Responsibilities

• Own interchange qualification and network-cost performance across the portfolio.
• Monitor network changes, assess financial impact and update rules and cost tables.
• Analyze routing and transaction behavior to improve economics.
• Use SQL and other languages to reconcile large datasets.
• Build automated monitoring and reporting workflows using AI/Python/Java.
• Translate analyses into executive-ready insights and recommendations.

Skills

Interchange optimization

SQL

Python

Data storytelling

Networking knowledge

Education

Quantitative/technical degree

Tools

SQL

Python

Java

Job description

Job Description:

Strategic Interchange Analyst

Constellation Payment Processing

THE COMPANY

Constellation Payment Processing is a modern Payment Facilitator (PayFac) empowering SaaS businesses to grow revenue through seamless, embedded payments. As part of Constellation Software Inc. (TSE: CSU), a global Canadian-based software leader, we combine the agility of a specialized payments company with the strength and stability of an established global organization.

POSITION

We are hiring a Strategic Interchange Analyst to own and advance interchange, card network, routing and payment-cost optimization across our payments portfolio. This is a hands‑on role for a senior payments professional who can combine deep interchange and network knowledge with advanced data analysis, workflow automation and clear business storytelling.

You will build on an established analytical foundation, using transaction-level data to identify qualification issues, cost leakage, routing opportunities and emerging portfolio trends. You will monitor network changes, quantify their impact and turn complex findings into practical recommendations for technical, financial and commercial stakeholders.

JOB RESPONSIBILITIES:

• Own interchange qualification and network-cost performance across the portfolio, identifying downgrade drivers, cost leakage, routing opportunities and remediation priorities.
• Monitor Visa, Mastercard and other relevant network changes, assess their financial impact and maintain current interchange rules, cost tables and optimization guidance.
• Analyze routing logic and transaction behavior to identify opportunities that improve qualification and payment economics.
• Use advanced SQL and other programming or query languages to analyze and reconcile large transactions, interchange, billing and network-fee datasets.
• Build automated monitoring, reporting and analytical workflows using AI, Python, Java or comparable tools to improve efficiency, accuracy and scalability.
• Translate complex payments analysis into clear executive insights, financial-impact assessments and practical recommendations.

JOB QUALIFICATIONS:

• 5+ years of experience in payments, merchant acquiring, payment facilitation, processing, card networks, issuing, gateway operations or a closely related field.
• Deep knowledge of Visa and Mastercard interchange structures, qualification criteria, downgrade drivers, assessments, network fees and card-brand operating rules.
• Strong understanding of the payments ecosystem, including card brands, networks, issuers, acquirers, processors, gateways, PayFacs, merchants and sponsor banks.
• Advanced SQL proficiency, with demonstrated experience independently querying, joining, validating and interpreting large and complex datasets.
• Hands‑on proficiency with Python, Java or another programming or query language used for analysis, automation and data workflow development.
• Demonstrated ability to use AI tools to automate workflows, improve analytical efficiency and communicate data-driven insights.
• Experience in merchant acquiring, payment facilitation, or processor environments.
• Knowledge of PIN debit, least-cost routing, FANF, VAMP, assessments, compliance fees and other network-related costs.
• Experience building interchange reference tables, qualification engines, reconciliation frameworks, portfolio monitoring or profitability models.
• Familiarity with payment-message data, gateway field mapping and authorization-to-clearing analysis.
• Degree in a quantitative or technical fields such as Computer Science, Engineering, Mathematics, Statistics, Economics or Finance.

Business Unit:

Constellation Payment Processing

Scheduled Weekly Hours:

40

Number of Openings Available:

1

Worker Type:

Regular

More About Jonas Software:

Jonas Software is a leading provider of enterprise management software solutions, serving a wide range of vertical markets including hospitality, healthcare, construction, education, personal care, fitness, leisure, moving and legal services, to name a few. Within these markets, Jonas is comprised of over 65 distinct brands, each a respected leader in its domain.

Jonas’ vision is to be the branded global leader across these verticals and to be recognized by customers and industry stakeholders as the trusted provider of “Software for Life.” We are committed to technology, product innovation, quality, and exceptional customer service.

Jonas Software supports over 60,000 customers in more than 30 countries. We employ over 6,000 skilled professionals, including industry experts and technology specialists. Across our broader network, we support a global workforce of more than 30,000 employees.

Headquartered in Canada, Jonas Software has a global footprint with offices around the world. We’re a 100% owned subsidiary of Constellation Software Inc., based in Toronto, publicly listed on the TSX (CSU.TO), and a member of the S&P/TSX 60 Index.