Business Analyst

Payment Systems Business Analyst / Product Owner Employment Type: Full-Time / Contract-to-Hire Lincolnshire, IL Only Local Rate : 45$/hr on W2 We are seeking an experienced Payment Systems Business Analyst/Product Owner to lead payment processor and gateway implementations across retail POS, e-commerce, mobile, kiosk, and call-center channels. Key Responsibilities: Gather and document business and technical payment requirements. Define payment flows for authorization, settlement, refunds, chargebacks, and reconciliation. Manage the product backlog, user stories, acceptance criteria, and Agile ceremonies. Lead payment processor and gateway implementations from discovery through go-live. Coordinate integrations involving REST APIs, webhooks, tokenization, 3DS, and digital wallets. Monitor authorization rates, declines, processing costs, settlement accuracy, and vendor performance. Support payment optimization, routing, failover, reconciliation, and incident-resolution initiatives. Ensure compliance with PCI-DSS and other applicable security and regulatory requirements. Required Qualifications: 8–10+ years of experience as a Business Analyst, Product Owner, or Product Manager within payments or fintech. Full-cycle payment processor or gateway implementation experience. Strong retail POS, EMV, NFC, mPOS, e-commerce, mobile payments, and digital wallet experience. Experience with multi-vendor payment environments, payment APIs, and payment abstraction layers. Knowledge of card-present/card-not-present payments, ACH, tokenization, chargebacks, settlement, and reconciliation. Proficiency with Agile/Scrum, Jira, Confluence, or Azure DevOps. Strong communication and stakeholder-management skills. Experience with Stripe, Adyen, Braintree, Worldpay, Square, PayPal, Text-to-Pay, SQL, and multi-currency payments is preferred. #J-18808-Ljbffr CloudIngest