Lead Business Analyst (Techno-Functional)

Calling all innovators – find your future at Fiserv.

We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

Lead Business Analyst (Techno-Functional)

About your role:

This role sits at the intersection of payments technology, financial crime domain expertise, and product delivery. You will act as the bridge between compliance, risk, and engineering, translating regulatory requirements and fraud typologies into scalable platform features and data driven solutions.

You will work closely with Product, Technology, Data, Operations, Financial Crime, Risk and Compliance teams to deliver improvements that reduce risk, lower operational burden, and enhance decision making across the bank. Other responsibilities include: The role exists to strengthen platform capability in real time monitoring, AML, and transaction risk management, as the business scales into multi region operations and increased regulatory scrutiny.

What you’ll do:

• Translate financial crime regulatory requirements (AML, sanctions, fraud) into clear functional and technical specifications. Analyse and document end to end payment flows, including authorization, clearing, settlement, and reconciliation.
• Work hands on with teams to define real time transaction monitoring rules and detection logic. Partner with engineering teams to design API driven and event based system integrations.
• Define and document data flows, schemas, and lineage across fraud detection and reporting systems.
• Interpret scheme rules (Visa, Mastercard, Amex) and ensure compliance in platform behaviour. Work closely with compliance teams on SARs, alert handling, and regulatory reporting expectations.
• Support product management in shaping roadmaps, prioritisation, and delivery milestones.
• Act as Product Owner on client engagements across issuing, acquiring and risk and compliance propositions. Own and prioritise product backlogs, write clear user stories and acceptance criteria, and run grooming, planning and review ceremonies with client teams.
• Facilitate workshops and stakeholder alignment across risk, data, engineering, and operations. Contribute to UAT, validation, and production readiness for risk & financial crime solutions.

Experience you’ll need to have:

• Proven experience as a Techno Functional Business Analyst in payments, financial crime, or banking technology environments
• Strong domain knowledge in AML, fraud detection, sanctions screening, and transaction monitoring systems
• Hands on experience across card issuing/acquiring lifecycles (authorization, clearing, settlement, reconciliation) (Mandatory)
• Practical experience working with card networks (Visa Base I/II/III, Mastercard CIS, Amex) and scheme integrations
• Strong knowledge of financial messaging standards including ISO 8583, ISO 20022, and API driven (JSON) architectures
• Solid understanding of PCI DSS, chargebacks, disputes, and transaction lifecycle risks
• Awareness of regulatory frameworks (FATF, FCA, PSD2, 6AMLD) and their application in system design
• Experience working in engineering led Agile environments, delivering complex platform features

Experience that would be great to have:

• Experience working with Snowflake, SQL, or data analytics in financial crime use cases
• Exposure to rule engines or ML based fraud detection platforms
• Familiarity with vendor platforms such as NICE Actimize, Featurespace, Fenergo, or Temenos
• Hands on experience with API documentation tools, JIRA, Confluence
• Knowledge of SWIFT ecosystem, TSP, and cross border payment infrastructures
• Comfort with ambiguity - able to structure undefined regulatory and product problems
• Influencing without authority - aligns engineering, compliance, and product teams
• Delivery focus - balances regulatory correctness with pragmatic execution
• Regulatory mindset - understands auditability, traceability, and risk implications

Thank you for considering employment with Fiserv.  Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Diversity and Inclusion:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

Warning about fake job posts:

Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.