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

Location: Sydney, Australia (Hybrid/In office)
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., Vision Plus, Power Card, 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 knowl...

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