Senior Technical Business Analyst – Payments & Merchant Services (SME)

Location: Sydney, Australia (Hybrid/On-site)

Job Type: Full time / Contract

Experience Level: Senior / Lead (10+ years)

Salary: 150K-180K commensurate with experience Role Overview

We are looking for a highly experienced Senior Business Analyst and Payments SME to lead complex transformations across our merchant acquiring and card issuing platforms. You will bridge the gap between regulatory compliance (AUSTRAC, AML/CTF, KYB) and technical execution, ensuring our payment ecosystems are secure, scalable, and fully compliant with global scheme rules (Visa, Mastercard, AP+). Key Responsibilities

Lead Merchant Onboarding Workflows: Define and optimize end-to-end merchant onboarding processes, including KYB verification, AML/CTF screening, and risk scoring models.

Regulatory & Scheme Compliance: Translate AUSTRAC requirements, PCI DSS/PCI-PIN standards, and Visa/Mastercard mandates into detailed functional and technical specifications.

API & Integration Strategy: Define data models and integration requirements for REST APIs and microservices, specifically supporting merchant servicing and transaction lifecycles.

Platform Migration: Drive large-scale migrations (e.g., VisionPlus, PowerCard, or legacy switch to AWS-hosted environments) by mapping complex data structures and managing merchant profile impacts.

Dispute Management: Architect requirements for the full chargeback lifecycle, leveraging deep knowledge of VROL, Mastercom, and Ethoca.

Stakeholder Liaison: Act as the primary bridge between Product, Business, Compliance,



and Engineering teams to ensure delivered solutions meet operational and regulatory needs.

Required Skills & Experience

15+ years of experience in Merchant Acquiring, Onboarding, and Payments.

Qualified technical experience in platform migration from legacy systems/platforms to CLOUD (AWS)

In-depth technical expertise of smart cards (EMV) and EMV 3DS 2.x In-depth technical knowledge of and experience in local and global switches, mainframe (OS390, CICS, COBOL, and Assembler)

Extensive experience with HSM's

Proven experience in Scheme Compliance and VISA Service Tools - VROL, VDMS, VTS, TMS, VCEH, VCES, VROL, VCR, VRAD and RDR An expert in Merchant onboarding, merchant terminals, payment gateways and ATM'S/POS terminals

Deep Technical Expertise: Proficiency in message mapping (ISO8583, AS2805, ISO20022) and payment platforms and legacy card systems like VisionPlus, PowerCard, or CardPac.

Compliance Mastery: Expert knowledge of AML/CTF (AUSTRAC), KYB metrics, Suspicious Matter Reporting (SMR), and Sanctions Screening.

Security Standards: Solid understanding of PCI DSS and PCI-PIN requirements for secure data handling and storage.

Agile Delivery: Proven ability to author high-quality User Stories, Acceptance Criteria, and BRDs/FSDs within an Agile squad environment.

Process Modeling: Advanced skills in BPMN 2.0 for current and future state workflow mapping.

Why Join Us?

You will be at the forefront of payment innovation, working on the largest platform migrations in the APAC region.

We offer a role where your deep domain expertise directly impacts the security and efficiency of the global economy. If you possess the skills above please reach out to us at www.isphereglobal.com

📌 Senior Technical Business Analyst (Cards SME) (Melbourne)
🏢 iSphere Global
📍 Melbourne