Senior Payment Business/System Analyst

Role Overview

We are looking for a Senior Payment Business / System Analyst to support a large-scale payment platform consolidation and migration initiative. The role focuses on the US payments ecosystem, card acquiring, and payment gateway processing, with responsibility for translating business needs into clear functional and technical requirements.

You will work closely with business stakeholders, solution architects, data engineers, development teams, migration specialists, and QA to support platform integration, data migration, and the transition to a unified payment processing environment.

Responsibilities

• Gather, analyze, and document business, functional, non-functional, and transition requirements.
• Prepare BRDs, FRDs, user stories, acceptance criteria, use cases, and process/data flow documentation.
• Work with business and technical stakeholders to clarify requirements and align proposed solutions.
• Analyze existing payment systems, identify dependencies, assess impacts, and document integration requirements.
• Support data mapping, migration planning, validation, and reconciliation activities.
• Collaborate with development and QA teams throughout implementation, functional testing, integration testing, and UAT.
• Analyze APIs, system interfaces, and payment processing workflows.
• Ensure requirements traceability and alignment between business expectations and technical implementation.
• Participate in Agile/Scrum and SAFe ceremonies.
• Support production-related analysis and issue investigation.
• Consider applicable payment network requirements and compliance standards, including Visa and Mastercard mandates.
• Use AI tools to improve efficiency across business analysis and software development lifecycle activities.

Requirements

• 6+ years of experience in Business Analysis, System Analysis, or a similar role within the payments domain.
• Deep understanding of the US payments ecosystem, particularly card acquiring and payment gateway processing.
• Strong practical experience with TSYS acquiring platforms, including Saratoga, Sierra, or Summit.
• Familiarity with TSYS BETs and PPM platforms.
• Solid understanding of payment processing workflows, including authorization, clearing, settlement, chargebacks, and reconciliation.
• Experience analyzing payment gateway integrations and transaction processing scenarios, including tipping, surcharges, split billing, and DCC/FX at POS.
• Understanding of payment terminal integrations and related protocols.
• Knowledge of tokenization and digital wallet solutions, including Apple Pay and Google Pay.
• Familiarity with Visa and Mastercard requirements, payment compliance, fraud prevention, and risk-related initiatives.
• Experience with data mapping, migration, and validation; SQL knowledge is required.
• Understanding of APIs, system integrations, and data flows.
• Experience working with Jira, Confluence, and Azure DevOps.
• Experience with Agile, Scrum, and/or SAFe methodologies.
• Ability to maintain at least 6 hours of daily overlap with North American business hours.
• Experience using AI tools in business analysis and software delivery workflows.

Nice to Have

• Experience with Verifone and Ingenico payment terminals.
• Experience supporting payment platform migrations or consolidation initiatives.
• Familiarity with detailed acquiring system interfaces and related technical specifications.

Technical Environment

• Payment Domain: US Payments, Card Acquiring, Payment Gateways
• TSYS Platforms: Saratoga, Sierra, Summit, BETs, PPM
• Payment Processing: Authorization, Clearing, Settlement, Chargebacks, Reconciliation
• Payment Capabilities: DCC/FX, Tipping, Surcharges, Split Billing, Tokenization, Digital Wallets
• Payment Networks: Visa, Mastercard
• Terminal Integrations: Verifone, Ingenico
• Data: SQL, Data Mapping, Data Migration, Data Validation
• Tools: Jira, Confluence, Azure DevOps
• Methodologies: Agile, Scrum, SAFe
• AI: AI-assisted Business Analysis and SDLC workflows