Tremend is looking for an experienced Business Analyst – Cards & POS to join our banking team and play a key role in the analysis, enhancement, and development of card payments and POS acquiring solutions. This role involves working with cross-functional teams, identifying business needs, analyzing payment processes, and ensuring compliance with regulatory requirements.The ideal candidate should have a strong background in card payments, merchant acquiring, POS terminals, and transaction processing within a banking or fintech environment.
 

Your Impact:

• Gather and analyze business requirements related to card issuing, acquiring, POS transactions, and payment networks (Mastercard, local schemes)
• Define functional specifications for new product enhancements, system changes, and regulatory updates
• Map end-to-end card transactions lifecycle (authorization, clearing, settlement, chargebacks, reconciliation)
• Work on merchant onboarding, pricing models, and risk assessment for acquiring solutions
• Collaborate with IT, operations, and business teams to improve card payment flows
• Conduct gap analysis on POS systems, SoftPOS, Tap-to-Phone, and mPOS solutions
• Support the deployment and configuration of POS devices, payment terminals, and contactless payment solutions.
• Evaluate 3D Secure, tokenization, and fraud prevention measures
• Analyze interchange fees, merchant fees, and transaction processing costs
• Ensure adherence to PSD2, PCI-DSS, EMV, AML/KYC regulations in card and POS operations
• Document and align changes with national and international payment regulations.
• Identify opportunities to optimize card operations, POS acceptance, and digital wallets
• Support API integrations with third-party payment service providers (PSPs) and fintech partners
• Work on automation of dispute management, fraud detection, and reconciliation processes.

 

Your Skills & Experience:

• 5+ years of experience as a Business Analyst in cards, POS, acquiring, or payment processing
• Strong understanding of card issuing, acquiring, and transaction lifecycle
• Knowledge of payment schemes (Mastercard, local card networks)
• Experience with POS devices, mPOS, SoftPOS, and digital payment solutions
• Familiarity with PSD2, PCI-DSS, EMV, AML/KYC regulations
• Hands-on experience in Agile delivery, system analysis, data mapping, and API documentation
• Strong analytical, problem-solving, and stakeholder management skills
• Experience with ISO 8583, ISO 20022 messaging standards
• Knowledge of instant payments, Open Banking APIs, and tokenization
• Familiarity with merchant risk assessment and fraud monitoring solutions.

 
Benefits of Working Here:
Besides an exciting job in a tremendous team, here's what you can expect:

• A fast-paced tech environment
• Continuous growth & learning
• Open feedback culture
• Room for own initiative & ideas
• Transparency about results & strategy
• Recognition & reward for hard work
• Working with a flexible schedule
• Medical subscription
• Meal tickets
• Extra vacation days - starting with 25 vacation days
• Many others perks

Tremend is the newest global software engineering hub for Publicis Sapient. For over 18 years, the company has been infusing its advanced technical expertise into complex and innovative solutions that meet today's digital transformation needs and pave the way for a better and smarter future. By joining forces with Publicis Sapient we're accelerating the impact, providing a good mix of talented engineers, technology, continuous improvement, innovation, and R&D. Here, you'll have the opportunity to unleash your potential, powering up advanced software solutions for some of the world's most iconic brands. Embrace your passion for technology, creativity, and continuous improvement, and join us in making a difference through engineering.