The Senior Business Analyst will gather and document requirements for card and payment solutions, collaborating with stakeholders, product owners, engineering, QA, and processors. Responsibilities include defining functional specifications, analyzing card transaction lifecycles, supporting testing and releases, managing traceability, investigating production issues, and coordinating Agile delivery. The role requires strong expertise with card processing platforms, payment networks, integrations, APIs, data flows, compliance mandates, and payment products including credit, debit, and prepaid cards.
Ciklum is looking for a Senior Business Analyst to join our team full-time the US.
We are a custom product engineering company that supports both multinational organizations and scaling startups to solve their most complex business challenges. With a global team of over 4,000 highly skilled developers, consultants, analysts and product owners, we engineer technology that redefines industries and shapes the way people live.
About the role:
As a Senior Business Analyst with strong Cards and Payments domain expertise, preferably with hands-on experience working with TSYS or other major card processing platforms. The candidate will work closely with business stakeholders, Product Owners, technology teams, QA, and payment processors to define requirements and deliver card payment solutions.
Responsibilities:
- Gather, analyze, and document business and functional requirements through stakeholder discussions and workshops
- Create and maintain BRDs, FRDs, user stories, acceptance criteria, use cases, and process flows
- Work closely with Product Owners, Project Managers, Developers, QA, and business teams throughout the SDLC
- Provide functional expertise across credit, debit, and prepaid card products
- Demonstrate understanding of the card transaction lifecycle, including authorization, clearing, settlement, refunds, reversals, chargebacks, and disputes
- Work with TSYS/card processing platforms and understand processor integrations and downstream systems
- Analyze change requests, perform impact analysis, and identify dependencies across applications and teams
- Support UAT planning, test case reviews, defect triage, and production releases
- Collaborate with QA teams to ensure requirements are completely covered through functional and integration testing
- Work with APIs, data flows, interfaces, and system integrations to translate business requirements into technical specifications
- Participate in Agile ceremonies including backlog refinement, sprint planning, daily stand-ups, demos, and retrospectives
- Maintain requirements traceability from business requirements through development, testing, and production implementation
- Support investigation and resolution of production issues and business queries
- Work with payment networks and industry standards, including Visa, Mastercard, and relevant regulatory/compliance requirements
Requirements:
- 7+ years of experience as a Business Analyst / Business Systems Analyst
- Strong experience in Cards and Payments domain
- Hands-on experience with TSYS or similar card processing platforms
- Strong knowledge of credit card, debit card, and prepaid card processing
- Experience with requirements gathering and documentation
- Strong knowledge of BRD, FRD, user stories, acceptance criteria, and process flows
- Experience with UAT, integration testing, defect management, and release support
- Understanding of APIs, system integrations, data mapping, and data flows
- Experience working in Agile/Scrum environments
- Strong analytical, problem-solving, stakeholder management, and communication skills
- Experience with Jira and Confluence
Personal skills:
- Knowledge of ISO 8583 and card payment messaging
- Experience with tokenization and digital wallets such as Apple Pay and Google Pay
- Understanding of card authorization, clearing, settlement, chargebacks, and reconciliation
- Experience working with Visa/Mastercard mandates and compliance changes
- Knowledge of FIS, Fiserv, TSYS PRIME, or other payment processors
- Basic SQL knowledge for data validation and analysis
- Experience with payment fraud, risk, or regulatory initiatives
What’s in it for you?
- Strong community: Work alongside top professionals in a friendly, open-door environment
- Growth focus: Take on large-scale projects with a global impact and expand your expertise
- Tailored learning: Boost your skills with internal events (meetups, conferences, workshops), Udemy access, language courses, and company-paid certifications
- Endless opportunities: Explore diverse domains through internal mobility, finding the best fit to gain hands-on experience with cutting-edge technologies
- Care: Healthcare, Basic Life Insurance, Short and Long-term disability insurance according to the Company’s Benefit Plans
About us:
At Ciklum, we are always exploring innovations, empowering each other to achieve more, and engineering solutions that matter. With us, you’ll work with cutting-edge technologies, contribute to impactful projects, and be part of a One Team culture that values collaboration and progress. In the US, Ciklum is growing fast—inviting experienced professionals to lead digital transformation alongside Fortune 500 clients. Be part of a company where innovation and impact go hand in hand.
Explore, empower, engineer with Ciklum!
Interested already? We would love to get to know you! Submit your application. We can’t wait to see you at Ciklum.
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