Technical Business Analyst

Jobtailor; Middletown Township (PA); On-site; USD 75,000 - 110,000; Full time

Job summary

Jobtailor is seeking a Business Analyst with a focus on credit card and digital payments to elicit and document requirements for complex payment processing systems. The role involves translating business needs into functional specs, collaborating with engineering, product, and compliance teams, and ensuring PCI-DSS compliance throughout the project lifecycle.

The ideal candidate will have strong skills in BRD/FRD writing, REST API literacy, and experience with Agile/Scrum environments.

Qualifications

• Experience documenting BRDs, FRDs, and user stories for payment projects.
• Strong knowledge of PCI-DSS and tokenization concepts.
• Experience with REST APIs and reading API documentation.
• Knowledge of credit card payment processing lifecycle.

Responsibilities

• Elicit, document, and manage payment processing requirements.
• Translate requirements into functional specs and user stories.
• Analyze payment lifecycle including 3DS, tokenization, and fraud management.
• Collaborate with internal teams and external vendors to deliver solutions.
• Support UAT, SIT, and regression testing cycles.
• Ensure PCI-DSS compliance and regulatory requirements.
• Facilitate workshops and Agile ceremonies.
• Analyze payment data to identify trends and improvements.
• Support go-live activities and production incident resolution.
• Document API specs and integration guides.

Skills

Communication

Stakeholder management

Agile/Scrum

BRD/FRD writing

Data flow diagrams

Process mapping

REST API literacy

Education

CBAP

PMI-PBA

AAP – Accredited ACH Pro.

Tools

Azure DevOps

Stripe

Adyen

Cybersource

Fiserv

FIS

ACI Worldwide

Worldpay

Job description

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.

Requirements

• 4–7 years of 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.
• 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.

Core Competencies

Demonstrates expertise in credit card payment processing, including authorization, settlement, and compliance with PCI-DSS standards. Proficient in translating complex business requirements into functional specifications and collaborating with cross‑functional teams to deliver effective payment solutions.

Tools & Technologies

• Azure DevOps
• Payment Platforms (Fiserv, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, Cybersource)
• Fraud Detection Tools