Senior Technical Business Analyst

We are looking for a seasoned Senior Payments Technical Business Analyst with extensive experience in payments, fintech, banking technology, PCI DSS certification, and technical integrations. The ideal candidate will have a strong background in leading PCI DSS certification and remediation efforts, analyzing payment platform architectures, and translating complex business and compliance requirements into clear technical documentation for engineering teams. This senior, client-facing role requires deep knowledge of payment flows, REST APIs, card tokenization, digital payments, and payment-network integrations. The position involves close collaboration with the CTO, internal teams, external auditors, banks, processors, and key card-network stakeholders such as Visa and Mastercard. This is a remote role with primary availability expected during US Central Time hours.

Key Responsibilities

- Lead the PCI DSS certification workstream from initial assessment through gap analysis, remediation, testing, and final certification.
- Analyze PCI DSS requirements in relation to platform architecture, business processes, security controls, and operating environments.
- Identify compliance gaps and develop detailed remediation plans, coordinating execution with engineering, security, and business units.
- Manage certification evidence, technical documentation, testing activities, dependencies, risks, and project milestones.
- Collaborate with external Qualified Security Assessors (QSAs) and audit organizations throughout the certification lifecycle.
- Analyze end-to-end payment processing flows, including card transactions, tokenization, and digital payment integrations.
- Review and interpret REST API specifications, authentication mechanisms, request/response flows, and integration dependencies.
- Translate business, technical, PCI DSS, and payment-network certification requirements into functional and technical specifications for engineering teams.
- Examine integration points between the company’s platform and external partners such as issuers, processors, banks, token service providers, and card networks.
- Engage with payment-network stakeholders like Visa and Mastercard to understand technical specifications, certification requirements, and integration processes.
- Support tokenization and digital payment technologies including Visa Token Service (VTS), Mastercard Digital Enablement Service (MDES), digital wallets, Token Requestor models, and card lifecycle management.
- Collaborate closely with developers, architects, QA, security, and business stakeholders to ensure proper implementation of certification and integration requirements.
- Create process flows, integration diagrams, requirements documents, use cases, acceptance criteria, and certification checklists as needed.
- Act as the central coordination point among business, technology, certification bodies, auditors, and external partners.
- Lead client-facing technical and business meetings, communicate progress, resolve dependencies, challenge technical assumptions, and independently drive certification activities.

Required Qualifications

- Minimum of 7 years’ experience in payments, fintech, banking technology, or related domains, preferably in roles such as Senior Technical Business Analyst, Payments Business Analyst, or Solution Analyst.
- Strong hands-on experience with PCI DSS certification and compliance programs, including gap analysis, remediation, and certification management.
- Proven ability to translate PCI DSS requirements into technical and operational remediation plans and coordinate their execution.
- Experience working with payment networks, banks, issuers, processors, payment platforms, or card technology providers.
- In-depth understanding of end-to-end payment transaction flows, payment processing, and payment technology architectures.
- Strong knowledge of REST APIs, API integration contracts, authentication methods, and technical specifications.
- Ability to analyze system architectures, integration flows, API documentation, and technical requirements.
- Demonstrated experience collaborating directly with engineering, architecture, QA, security, and business teams.
- Solid understanding of card tokenization, digital payments, token lifecycle management, and digital wallet integrations.
- Excellent stakeholder management, communication, and presentation skills.
- Experience leading technical and business discussions with external organizations, including payment-network stakeholders and certification bodies.
- Proficient written and spoken English with the ability to confidently represent the company in client-facing meetings.
- Ability to work independently, manage certification workstreams, identify technical dependencies, and drive activities with minimal supervision.

Preferred Qualifications

- Experience with Visa Token Service (VTS) and Mastercard Digital Enablement Service (MDES).
- Familiarity with Visa/Mastercard certification processes and payment-network integrations.
- Knowledge of Token Requestor integrations and digital wallet provisioning.
- Understanding of Secure Element (SE), Host Card Emulation (HCE), Trusted Service Manager (TSM), and Token Service Provider (TSP) environments.
- Experience with ISO 8583 payment messaging and transaction processing.
- Exposure to core banking systems, card issuing platforms, and card processing systems.
- Familiarity with payment gateway and payment processor integrations.
- Knowledge of EMV/EMVCo technologies and 3-D Secure (3DS).
- Understanding of payment cryptography and Hardware Security Module (HSM) environments.
- Experience with real-time payment systems and ISO 20022 standards.

This is a full-time remote position requiring availability primarily during US Central Time hours.