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
