Business Analyst

Payment Systems Business Analyst / Product Owner Employment Type: Full-Time / Contract-to-Hire Lincolnshire, IL Only Local US citizen, Green Card, H4 EAD 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.