Business Analyst – Card Payments

4 days ago

Sydney, New South Wales, Australia Synechron Full time
Overview

We are looking for a highly skilled Business Analyst (BA) with strong experience in card payments, particularly with AS2805 messaging, Mastercard integration, API-based payment systems, and card scheme compliance. You will play a critical role in shaping and delivering card payment capabilities by collaborating with stakeholders across engineering, compliance, and product teams.

Key Responsibilities
  • Gather and document business and technical requirements for card issuing and acquiring systems.
  • Design and analyze AS2805 message flows including authorizations, reversals, settlements, and chargebacks.
  • Lead API-based integration projects with Mastercard and internal systems (e.g. transaction switching, card issuing platforms).
  • Work with Mastercard for network integration, MIP/API onboarding, scheme certification, and mandate implementations.
  • Translate complex payment workflows into API specifications, including RESTful API payloads, endpoints, and usage patterns.
  • Ensure full compliance with Mastercard scheme rules, PCI-DSS, and regulatory standards.
  • Conduct detailed gap analysis between business needs and existing systems.
  • Assist product owners with feature definition, prioritization, and delivery planning for payment features.
  • Partner with QA and developers to ensure comprehensive test coverage and traceability for API and messaging interfaces.
  • Stay current with Mastercard bulletins, mandates, and industry trends to anticipate upcoming changes and assess impacts.
  • Document detailed functional specs, API interface contracts, and data flow diagrams.
Required Skills & Experience
  • 5+ years as a Business Analyst in card payments or financial services.
  • Deep knowledge of AS2805 messaging and transaction processing (POS, ATM, ecommerce).
  • Hands-on experience integrating with Mastercard services (e.g., MIP, MDES, 3DS, tokenization).
  • Strong understanding of API-based system integration, including RESTful API design, OpenAPI/Swagger specs, and JSON schemas.
  • Experience writing API documentation and collaborating with engineering on API-first designs.
  • Familiarity with authorization, clearing, and settlement processes.
  • Understanding of card scheme compliance and regulatory frameworks (e.g., PCI-DSS, Mastercard mandates).
  • Proven ability to work in Agile/Scrum teams and participate in sprint planning, backlog grooming, and user story writing.
  • Excellent communication and stakeholder management skills.
Desirable Qualifications
  • Bachelor's degree in IT, Computer Science, Finance, or related field.
  • Exposure to ISO 8583, EMV, or tokenization platforms.
  • Experience with digital wallets, payment switches, or fraud management systems.
  • Certification such as CBAP, CSPO, or SAFE Agilist is a plus.
Why Join Us
  • Join a team delivering next-generation card payment solutions.
  • Be at the forefront of Mastercard and open API innovations.
  • Competitive compensation and flexible work arrangements.
  • Work with experienced professionals in a fast-moving, high-impact environment.
Job Details
  • Seniority level: Mid-Senior level
  • Employment type: Full-time
  • Industries: IT Services and IT Consulting

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