Expert Business Analyst

Ciklum • United States,

19h

About The Position

Ciklum is seeking an Expert Business Analyst to join a cross-functional development team. The role supports a program consolidating multiple payment gateways into one target gateway platform. The analyst will apply deep US payments-domain knowledge and hands-on TSYS card-acquiring platform experience, working at the program level with business stakeholders, solution architects, data engineers, development, migration, and QA teams. The role focuses on gateway technical processing rather than card products and end-to-end customer payments, and includes requirements management, platform migration support, testing, and production-release activities.

The position requires collaboration throughout the SDLC and experience with payment processor integrations, downstream systems, APIs, data flows, and system integrations. The analyst will help plan and drive SAFe ceremonies and maintain traceability from business requirements through development, testing, and migration completion. The role is full-time and requires at least six hours of daily overlap with North American business hours.

Requirements

• Deep and broad knowledge of the US payments landscape.
• Background working with payment processors.
• Strong knowledge of TSYS acquiring platforms, such as Saratoga, Sierra, and Summit, as well as TSYS BETs and TSYS PPM.
• Knowledge of TSYS EIS 1080 (Authorization) and EIS 1081 (Settlement & Clearing).
• Understanding of card-scheme rules and transactions such as tipping, surcharges, split billing, and DCC/FX at point of sale; knowledge of terminal vendor protocols such as Verifone and Ingenico.
• Understanding of card authorization, clearing, settlement, chargebacks, and reconciliation.
• Experience with tokenization and digital wallets such as Apple Pay and Google Pay.
• Experience working with Visa/Mastercard mandates and compliance changes.
• Experience with payment fraud, risk, or regulatory initiatives.
• Strong experience with data mapping and migration of complex platforms.
• SQL knowledge for data validation and analysis.
• At least 7 years of experience as a Business Analyst or Business Systems Analyst.
• Deep US payments-domain expertise, including regulatory compliance such as ACH and PCI.
• Hands-on experience with TSYS card-acquiring platforms.
• Technical background in SQL, APIs, system integrations, data flows, data analysis, and mapping.
• Basic understanding of architecture principles.
• Experience eliciting and documenting requirements and creating BRDs, FRDs, user stories, acceptance criteria, process flows, and data flows at an appropriate technical level.
• Experience with UAT, integration testing, defect management, and release support.
• Proven experience leveraging AI throughout SDLC and BA/SA workflows, and ability to adapt to a variety of AI tools.
• Experience working in Agile, Scrum, or SAFe environments.
• Strong analytical, problem-solving, stakeholder-management, and communication skills.
• Experience with Jira, Confluence, and Azure DevOps.
• Ability to maintain at least six hours of daily working-hour overlap with North American business hours, approximately 09:00–17:00 across US Eastern to Pacific time zones.

Nice To Haves

• Hands-on experience with payment platform migrations.
• Experience working in a SAFe environment and at the program level.

Responsibilities

• Elicit, analyze, and document business, functional, non-functional, and transition requirements through stakeholder discussions, workshops, and reverse engineering.
• Create and maintain BRDs, FRDs, user stories, acceptance criteria, use cases, and data process flows.
• Create documentation for solution architecture, development, data, and migration teams.
• Collaborate throughout the SDLC with Product Owners, Solution Architects, Developers, Data and Migration Engineers, QA, and business teams.
• Provide functional expertise across the US payments landscape, focusing on gateway technical processing.
• Provide expertise in TSYS and card-processing platforms, processor integrations, and downstream systems.
• Analyze change requests, perform impact analysis, and identify and manage dependencies across streams.
• Manage requirements at the program level.
• Conduct data analysis, data mapping, and scenario planning for migration.
• Support migration and UAT planning, test-case reviews, defect triage, and production releases.
• Collaborate with QA to ensure requirements are covered by functional and integration testing.
• Define and document non-functional requirements with Solution Architects and QA.
• Translate business requirements into technical specifications involving APIs, data flows, interfaces, and system integrations.
• Plan and drive SAFe ceremonies, including backlog refinement, PI and sprint planning, daily stand-ups, demos, and retrospectives.
• Maintain requirements traceability from business requirements through development, testing, and migration completion.
• Support investigation and resolution of production issues and business queries.
• Work with payment networks and industry standards, including Visa, Mastercard, and relevant regulatory and compliance requirements.

Benefits

• Healthcare according to the Company’s Benefit Plans.
• Basic Life Insurance according to the Company’s Benefit Plans.
• Short- and long-term disability insurance according to the Company’s Benefit Plans.
• Internal learning events, including meetups, conferences, and workshops.
• Udemy access, language courses, and company-paid certifications.
• Opportunities for internal mobility across diverse domains.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed