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 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 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 Engagement Requirements • Candidate’s location is preferred to be within 3 hours or less from Harrisburg, PA. • 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. • Successfully complete ePATCH background check, and ClearChecks National Criminal Background Check prior to engagement start.
