Technical Business Analyst (Ref: 18512)

Position: Technical Business Analyst (Ref: 18512)
Location: Harrisburg, PA 17101 United States
Duration: 11 Months 16 Days - Contract
Openings: 1
Deadline: 07/21/2026
Pay Rate: DOE
Description:
***Local Candidates
***Remote (with occasional, planned travel to headquarters for key project phases)

We are seeking a highly skilled Technical Business Analyst Payments & Credit Card Processing with deep expertise in credit card and digital payment processing ecosystem to join our team. In this role, you will bridge the gap between business needs and technical execution, translating complex payment workflows into clear, actionable functional specifications.

This is a primarily remote contract role; however, the selected candidate must be available to travel and report to the organization’s headquarters during critical project milestones, including Solution Confirmation, Program Increment (PI) Cycles, Showbacks, System Integration Testing (SIT), User Acceptance Testing (UAT), and Go-Live/Hypercare phases.

Key Responsibilities
• Requirement Management: Elicit, document, and manage detailed business and functional requirements for credit card payment processing systems, including authorization, clearing, settlement, chargebacks, and dispute resolution workflows.
• Technical Translation: Translate complex business requirements into detailed functional specifications, user stories, process flows, and data mapping documents for engineering, development, and QA teams.
• End-to-End Analysis: Analyze the entire payment lifecycle, including card authorization, capture, refund, tokenization, 3D Secure (3DS), and fraud management.
• Cross-Functional Collaboration: Partner closely with internal engineering, product, compliance, risk, and operations teams, as well as external payment vendors and processors, to deliver robust payment solutions.
• Testing Support: Participate in and support User Acceptance Testing (UAT), System Integration Testing (SIT), and regression testing cycles. Review test cases and assist with defect management.
• Compliance & Standards: Ensure all developed payment solutions strictly adhere to PCI-DSS compliance standards, regulatory requirements, and industry best practices.
• Agile Facilitation: Facilitate workshops, stakeholder meetings, and standard Agile sprint ceremonies to drive alignment and ensure timely delivery.
• Data & Reporting: Analyze transactional payment data and reports to identify trends, anomalies, and areas for process optimization.
• Go-Live Support: Assist with API specification documentation, integration guides for gateway/processor connectivity, post-implementation monitoring, and production incident resolution.

Role Requirements
• Professional Experience: 4 to 7 years of experience as a Business Analyst or Technical Business Analyst, with a dedicated focus on credit card or digital payments processing.
• Domain Expertise: In-depth knowledge of the payments ecosystem, including card networks, issuers, acquirers, payment gateways, and processors. Strong familiarity with payment authorization and settlement flows.
• Compliance & Security: Solid understanding of PCI-DSS compliance requirements, tokenization, and encryption concepts.
• Technical Aptitude: Strong ability to read and interpret REST API documentation and message schemas (XML/JSON), write SQL queries, and map data flows.
• Methodology & Tools: Proven experience working in Agile/Scrum environments using tools like Azure DevOps (ADO), Miro, and MS Office Suite.
• Documentation Skills: Exceptional skills in drafting Business Requirement Documents (BRDs), Functional Requirement Documents (FRDs), user stories, use cases, and process maps.
• Background Check: Must be able to successfully complete comprehensive national criminal background checks prior to starting the engagement.

Preferred Qualifications
• Experience with modern payment technologies such as 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay, Google Pay).
• Familiarity with major payment platforms and processors (e.g., Fiserv, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, CyberSource).
• Experience with merchant activity reconciliation, fraud detection tools, and rules engines.
• Industry certifications such as CBAP, PMI-PBA, or relevant payments/ACH credentials (e.g., AAP).

Required / Desired Skills
• Experience as a Business Analyst or Technical Business Analyst, with a strong focus on credit card or digital payments processing (Required 4 Years)
• Deep knowledge of the payment ecosystem: card networks, issuers, acquirers, payment gateways, and processors. (Required 1 Years)
• Proficiency with payment authorization/settlement flows. (Required 1 Years)
• Experience with PCI-DSS compliance requirements and tokenization/encryption concepts. (Required 1 Years)
• Solid understanding of REST APIs and ability to read and interpret API documentation and message schemas. (Required 1 Years)
• Strong skills in writing BRDs, FRDs, user stories, use cases, data flow diagrams, and process maps. (Required 1 Years)
• Experience working in Agile/Scrum methodology using tools such as Azure DevOps. (Required 1 Years)
• Experience with 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay, Google Pay). (Highly Desired 1 Years)
• Familiarity with payment platforms such as Fiserv, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, or CyberSource. (Highly Desired 1 Years)
• Preferred Certifications: CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP Accredited ACH Professional). (Highly Desired 1 Years)