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
Numbers & Facts
Location
Middletown, PA
Skills
3DSunmatched
API Documentationunmatched
Acceptance Testingunmatched
Agile Programming Methodologiesunmatched
Analysis Skillsunmatched
Appleunmatched
Application Programming Interface (API)unmatched
Best Practicesunmatched
Bug Tracking/Defect Managementunmatched
Business Analysisunmatched
Card Processingunmatched
Chargebacksunmatched
Communication Skillsunmatched
Credit Cardsunmatched
CyberSourceunmatched
Data Analysisunmatched
Data Mappingunmatched
DevOpsunmatched
Ecosystemsunmatched
Functional Requirements Document (FRD)unmatched
ISO (International Organization for Standardization)unmatched
Integration Testingunmatched
JSONunmatched
Microsoft ADO (ActiveX Data Object)unmatched
Microsoft Officeunmatched
Microsoft Windows Azureunmatched
PCI-DSSunmatched
Payment Processingunmatched
Process Flowunmatched
Process Flow Diagram (PFD)unmatched
Process Improvementunmatched
Production Controlunmatched
Quality Assuranceunmatched
REST (Representational State Transfer)unmatched
Regression Testingunmatched
Regulatory Complianceunmatched
Regulatory Requirementsunmatched
Riskunmatched
SQL (Structured Query Language)unmatched
Scrum Project Management and Software Developmentunmatched
Semantic Reasonerunmatched
System Integration (SI)unmatched
System Testunmatched
Test Caseunmatched
Testingunmatched
Time Managementunmatched
Trend Analysisunmatched
Use Casesunmatched
Writing Skillsunmatched
XML (EXtensible Markup Language)unmatched
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