Technical Business Analyst

Creative Solutions Services, LLC; Middletown Township (PA); Hybrid; USD 90,000 - 120,000; Full time

Job summary

Creative Solutions Services, LLC is seeking a Technical Business Analyst in Middletown, PA (Hybrid) to help define and deliver credit card payment solutions. You will elicit requirements for processing, security, and compliance, and translate them into detailed specs for developers and QA teams.

You will collaborate with engineering, product, risk, and operations, participating in UAT, SIT, and Go-Live activities, while ensuring PCI-DSS adherence and robust data flows.

Qualifications

• 4–7 years of experience as a Business Analyst or Technical Business Analyst.
• Deep knowledge of the payments ecosystem: credit cards, gateways, processors.
• Proficiency with PCI-DSS compliance and tokenization concepts.
• Solid understanding of REST APIs and ability to read API documentation.
• Experience with Agile/Scrum and Azure DevOps.

Responsibilities

• Elicit, document, and manage business and functional requirements for payment processing systems.
• Translate requirements into functional specs, user stories, and data mapping for development and QA.
• Analyze end-to-end payment lifecycles including authorization, settlement, and 3DS.
• Collaborate with internal teams and external vendors to deliver payment solutions.
• Support UAT, SIT, and regression testing cycles, including defect management.
• Ensure payment solutions adhere to PCI-DSS and regulatory standards.
• Facilitate workshops and sprint ceremonies to drive timely delivery.
• Analyze payment data to identify trends and process improvements.
• Support go-live activities and post-go-live monitoring for payment systems.
• Document API specs and integration guides for gateway connectivity.

Tools

Azure DevOps

MS Office Suite

Miro

Job description

Job Title: Technical Business Analyst

Location: Middletown, PA (Hybrid)

Duration: 4+ Months

Note

This position is primarily remote; however, this position will require reporting to the Commission's headquarters during key phases of the project - Solution Confirmation, Program Increment Cycles (PI), Showbacks, System Integration Test Cycles (SITs), User Acceptance Test (UAT), Go-Live, Immediately Post-Go-Live (Hypercare). Any absence from sessions requires prior approval from Project Principal.

Job Description

Key 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.

Required Qualifications

• 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.

Preferred Qualifications

• 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 Client, 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

Technical Skills

• Tools: MS Office Suite, Miro, ADO
• Languages/Query: SQL, basic understanding of XML/JSON
• Standards: ISO 8583, ISO 20022, PCI-DSS, EMV
• Methodology: Agile/Scrum, Waterfall, or hybrid