Your new company

We are looking for a Senior BA with strong expertise in banking and payments, particularly in merchant acquiring, settlement, and scheme processes. This role focuses on ensuring accurate merchant onboarding, pricing, billing, and settlement operations while maintaining compliance with regulatory and scheme standards. You'll be working with a high-performing team in one of the Big 4 Banks.

Key responsibilities:

Merchant Acquiring & Settlement

• Manage and analyse the full merchant acquiring lifecycle, including onboarding, transaction processing, and settlement.

• Ensure merchant settlement files and reconciliation processes accurately reflect all acquiring activities.

• Monitor compliance with internal SLAs and external regulatory requirements.

• Investigate and resolve exceptions such as chargebacks, reversals, and delayed settlements.

• Ability to actively support Quality Assurance by performing hands-on testing, validation, and defect resolution throughout the merchant acquiring and settlement processes.

Scheme Settlement (Visa, Mastercard, Amex, etc.)

• Validate settlement interfaces and message exchanges with major card schemes.

• Analyse interchange fees, chargeback handling, and reconciliation against scheme data.

• Ensure adherence to scheme rules, message formats, and clearing/settlement timelines.

• Identify and resolve variances between scheme and internal settlement data.

Data Analysis & Reporting

• Develop and maintain reports on merchant performance, settlement accuracy, and pricing.

• Provide insights to improve operational efficiency and reduce settlement discrepancies.

• Support audit and compliance requirements with accurate documentation.

Collaboration & Continuous Improvement

• Work closely with business analysts, developers, and operations teams to resolve issues.

• Contribute to process improvements and automation initiatives for merchant billing and settlement.

What you'll need to succeed

• Strong understanding of merchant acquiring, pricing, and billing processes as an experienced Senior Business Analyst

• Familiarity with FIS platforms and merchant pricing/billing is highly desirable.

• Knowledge of card scheme rules and settlement processes.

• Analytical mindset with experience in reconciliation and variance analysis.

What you'll get in return

The role offers a 6-month contract with potential of extension and a day rate of $900 + super.

What you need to do now

If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or send it to Lucia.Turner@hays.com.au.

If this job isn't quite right for you, but you are looking for a new position, please contact us for a confidential discussion on your career.