The Payments Business Analyst gathers requirements, analyzes payment flows, defines API and integration specifications, and supports payment integrations with banks, gateways, and fintech partners. The role coordinates with product, engineering, compliance, and business stakeholders; documents transaction rules and reconciliation processes; supports testing and issue resolution; and ensures payment solutions meet regulatory, risk, privacy, and operational standards.
This is a remote position.
The Payments Business Analyst will bridge business, product, compliance, and engineering teams to deliver secure, efficient, and scalable payment solutions. The role focuses on requirements gathering, payment flow analysis, integration support, and ensuring alignment with regulatory and operational standards.
Key Responsibilities
- Gather and document business requirements for payment products and solutions.
- Analyze end-to-end payment flows including collections, disbursements, and settlements.
- Define functional specifications for payment APIs and integrations.
- Work with Product Managers and Engineers to design payment system workflows.
- Support integration with banks, payment gateways, and fintech partners.
- Identify and document business rules for transaction processing and reconciliation.
- Assist in testing, UAT, and validation of payment functionalities.
- Ensure compliance with relevant payment regulations and standards.
- Support issue resolution related to payment processing and transaction failures.
- Collaborate with stakeholders to improve payment efficiency and user experience.
Required Qualifications
- Bachelor’s degree in Business, Finance, Computer Science, or related field.
- 3–6 years of experience as a Business Analyst, preferably in payments or fintech.
- Strong understanding of payment systems and digital financial services.
- Experience working in Agile environments.
- Ability to translate business needs into technical requirements.
- Strong analytical, documentation, and stakeholder management skills.
- Good understanding of system integrations and APIs.
Technical & Functional Expertise
- Financial regulations (AML, KYC, CBN guidelines, GDPR, etc.)
- Risk & compliance frameworks
- Regulatory reporting and audit processes
- Policy development and governance frameworks
- Data privacy and cybersecurity regulations
- Fintech and digital payments compliance
- Cross-border regulatory understanding
- Product compliance integration (working with engineering/product teams)
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Ranked among the hottest tech cities in 2024 by CompTIA, Charlotte is quickly cementing its place as a major U.S. tech hub. Home to more than 90,000 tech workers, the city’s ecosystem is primed for continued growth, fueled by billions in annual funding from heavyweights like Microsoft and RevTech Labs, which has created thousands of fintech jobs and made the city a go-to for tech pros looking for their next big opportunity.
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