Strategic Interchange Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Take ownership of interchange qualification and network-cost performance across the entire portfolio, pinpointing downgrade drivers, cost leakage, routing opportunities, and remediation priorities.

• Keep track of Visa, Mastercard, and other relevant network changes, evaluate their financial implications, and maintain up-to-date interchange rules, cost tables, and optimization guidance.

• Examine routing logic and transaction behavior to uncover opportunities that enhance qualification and payment economics.

• Leverage advanced SQL and other programming or query languages to analyze and reconcile extensive datasets related to transactions, interchange, billing, and network fees.

• Develop automated monitoring, reporting, and analytical workflows using AI, Python, Java, or similar tools to boost efficiency, accuracy, and scalability.

• Convert intricate payments analysis into clear executive insights, assessments of financial impact, and actionable recommendations.

⛳️ Requirements

• Over 5 years of experience in payments, merchant acquiring, payment facilitation, processing, card networks, issuing, gateway operations, or a related field.

• In-depth knowledge of Visa and Mastercard interchange structures, qualification criteria, downgrade drivers, assessments, network fees, and card-brand operating rules.

• Strong grasp of the payments ecosystem, including card brands, networks, issuers, acquirers, processors, gateways, PayFacs, merchants, and sponsor banks.

• Advanced proficiency in SQL, with proven experience in independently querying, joining, validating, and interpreting large, complex datasets.

• Practical experience with Python, Java, or another programming or query language used for analysis, automation, and data workflow development.

• Proven ability to utilize AI tools for automating workflows, enhancing analytical efficiency, and communicating data-driven insights.

• Background in merchant acquiring, payment facilitation, or processor environments.

• Knowledge of PIN debit, least-cost routing, FANF, VAMP, assessments, compliance fees, and other network-related costs.

• Experience in constructing interchange reference tables, qualification engines, reconciliation frameworks, portfolio monitoring, or profitability models.

• Familiarity with payment-message data, gateway field mapping, and authorization-to-clearing analysis.

• A degree in a quantitative or technical discipline such as Computer Science, Engineering, Mathematics, Statistics, Economics, or Finance.

🏝️ Benefits

• Full-time employment.

• Regular worker status.