Technical Business Analyst

Short Description:
PTC - Technical BA


Complete Description:
Key Responsibilities
• Elicit, document, and manage business and functional requirements for credit card payment processing systems, including authorization, clearing, settlement, chargebacks, and dispute resolution workflows.
• Translate complex business requirements into detailed functional specifications, user stories, process flows, and data mapping documents for development and QA teams.
• Analyze end-to-end payment lifecycle processes including card authorization, capture, refund, tokenization, 3DS (3D Secure), and fraud management.
• Collaborate with internal teams (engineering, product, compliance, risk, and operations) and external vendors/partners to define and deliver payment solutions.
• Support and participate in UAT (User Acceptance Testing), system integration testing (SIT), and regression testing cycles, including reviewing test cases and defect management.
• Ensure all payment solutions adhere to PCI-DSS compliance standards, regulatory requirements, and industry best practices.
• Facilitate workshops, stakeholder meetings, and sprint ceremonies (in Agile environments) to drive alignment and timely delivery.
• Analyze payment data and transaction reports to identify trends, anomalies, and areas for process improvement.
• Support go-live activities, post-implementation monitoring, and production incident resolution related to payment systems.
• Assist in documenting API specifications and integration guides for payment gateway and processor connectivity.
Required Qualifications
• 4-7 years of experience as a Business Analyst or Technical Business Analyst, with a strong focus on credit card or digital payments processing.
• Deep knowledge of the payments ecosystem: card networks, issuers, acquirers, payment gateways, and processors.
• Proficiency with payment authorization/settlement flows.
• Experience with PCI-DSS compliance requirements and tokenization/encryption concepts.
• Solid understanding of REST APIs and ability to read and interpret API documentation and message schemas.
• Strong skills in writing BRDs, FRDs, user stories, use cases, data flow diagrams, and process maps.
• Experience working in Agile/Scrum methodology using tools such as Azure DevOps.
• Excellent communication and stakeholder management skills.
Preferred Qualifications
• Experience with 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay, Google Pay).
• Knowledge of chargeback and dispute management processes.
• Familiarity with payment platforms such as Client, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, or Cybersource.
• Preferred Certifications: CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP - Accredited ACH Professional).
• Experience with fraud detection tools and rules engines.
• Experience with reconciling merchant activity to the system
Technical Skills
• Tools: MS Office Suite, Miro, ADO
• Languages/Query: SQL, basic understanding of XML/JSON
• Standards: ISO 8583, ISO 20022, PCI-DSS, EMV
• Methodology: Agile/Scrum, Waterfall, or hybrid
Engagement Requirements
• Candidate's location is preferred to be within the Continental United States.
• Successfully complete ePATCH background check, and ClearChecks National Criminal Background Check prior to engagement start.
• Overtime requests always need to have prior approval of Project Principal with the rightful reasons for overtime.
• This position is primarily remote; however, this position will require reporting to the Commission's headquarters during key phases of the project - Solution Confirmation, Program Increment Cycles (PI), Showbacks, System Integration Test Cycles (SITs), User Acceptance Test (UAT), Go-Live, Immediately Post- Go-Live (Hypercare). Any absence from sessions requires prior approval from Project Principal.
• Additional compensation for any travel expenses requires prior approval and my not be approved.
• Travel expenses submitted for reimbursement must adhere to federal GSA guidelines governing hotel, mileage, and meals per diem rates, and must include appropriate expense documentation (receipts). GSA Guidelines are available at:


Skills:
Skill Required / Desired mount of Experience Expertise Rating Move Exp. as a Business Analyst or Technical Business Analyst, with a strong focus on credit card or digital payments processing Required 4 Years Deep knowledge of the payments ecosystem: card networks, issuers, acquirers, payment gateways, and processors. Required Proficiency with payment authorization/settlement flows. Required Experience with PCI-DSS compliance requirements and tokenization/encryption concepts. Required Solid understanding of REST APIs and ability to read and interpret API documentation and message schemas. Required Strong skills in writing BRDs, FRDs, user stories, use cases, data flow diagrams, and process maps. Required Experience working in Agile/Scrum methodology using tools such as Azure DevOps. Required Experience with 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay, Google Pay). Highly desired Familiarity with payment platforms such as Client, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, or Cybersource. Highly desired Preferred Certifications: CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP Accredited ACH Professional). Highly desired


Questions:
Question 1
Vendor Rate for this position is *** do you accept this rate?
Question 2
In addition to the ePATCH background check, PTC also requires a National Criminal Background Check prior to engagement start. Do you accept this requirement?

Benefits
PEAK's benefit offerings available for our associates include medical, dental, vision, Flexible Spending Account (FSA), Dependent Care Savings Account (DCA), and 401K plan. PEAK believes that taking care of our team is essential for success and we are proud to provide benefits that enhance both your well-being and your future. Additionally, our associates may be eligible for Paid Sick Leave as required by Federal, State, or local laws.


Equal Opportunity Employer (EEO)
PEAK Technical Staffing is committed to creating a diverse and inclusive environment and is proud to be an Equal Opportunity Employer. PEAK does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or veteran status, or any other characteristic protected by applicable law. All employment decisions are made based on qualifications, merit, and business need. We encourage all individuals to apply.


Americans Disabilities Act (ADA)
The physical and mental requirements described in this job description are representative of those that must be met by an employee to successfully perform the essential functions of the position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. Must be able to perform the essential physical functions of the position, including sitting, standing, walking, stooping, kneeling, and lifting up to 25 pounds, with or without reasonable accommodation.


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AI Recruiting Disclosure
We use AI-assisted tools to help review applications and compare your experience to job requirements, but all hiring decisions are made by human recruiters. You may request a human-only process or opt out of automated communication at any time. Required notices and our latest bias audit are available on our website: