Descrição da vaga
<p><strong>SUMMARY</strong></p>
<p><br>At Santander, we are transforming the future of payments. As part of our Cards organization, you will work in a<br>dynamic international environment, helping to shape and optimize the end-to-end card payment ecosystem across<br>multiple markets and geographies.</p>
<p><br>We are looking for a highly experienced Business Analyst specialized in Cards Clearing & Settlement, with deep<br>expertise in Visa and Mastercard schemes, card payment processing, and financial reconciliation processes.<br>This role is critical to ensuring the accuracy, efficiency, and compliance of card transaction processing across the entire<br>payment lifecycle.</p>
<p><br><strong>EDUCATION</strong></p>
<p><br>Bachelor's Degree in Business Administration, Finance, Economics, Computer Science, Engineering, or related field.<br>Relevant certifications in Payments, Cards, Business Analysis, or Financial Services are considered an advantage.</p>
<p><br><strong>TECHNICAL SKILLS</strong></p>
<ul>
<li>Business Analysis methodologies and tools.</li>
<li>Functional specification writing.</li>
<li>Process modeling and documentation.</li>
<li>Data analysis and troubleshooting capabilities.</li>
<li>SQL knowledge for investigation and analysis purposes.</li>
<li>Understanding of APIs and system integrations.</li>
<li>Testing support and UAT coordination.</li>
<li>Practical understanding of Artificial Intelligence concepts and applications.</li>
<li>Ability to leverage Generative AI tools to improve analysis, documentation, and productivity.</li>
<li>Experience using AI-assisted tools for business analysis, process improvement, and decision support.</li>
<li>Curiosity and willingness to explore innovative technologies within the payments industry.</li>
<li>Understanding of how AI can enhance operational efficiency, customer experience, and risk management processes.</li>
<li>Strong analytical and problem-solving mindset.</li>
<li>Excellent communication and stakeholder management skills.</li>
<li>Ability to operate in complex and highly regulated environments.</li>
<li>Strong attention to detail.</li>
<li>Proactive and results-oriented attitude.</li>
<li>Ability to work effectively in cross-functional and international teams.</li>
<li>Continuous improvement mindset.</li>
</ul>
<p><br><strong>YOUR MISSION</strong></p>
<p>As a Business Analyst within the Cards organization, you will act as the bridge between Business, Operations,<br>Technology, Finance, and external payment schemes.<br>You will be responsible for analyzing, defining, and improving clearing and settlement processes, ensuring that card<br>transactions are accurately processed and reconciled while complying with Visa and Mastercard operational rules.</p>
<p> </p>
<p><strong>KEY RESPONSIBILITIES</strong></p>
<ul>
<li>Cards Clearing & Settlement Expertise - Analyze and manage end-to-end card transaction flows, from authorization<br>through clearing and settlement. - Support business initiatives related to card payment processing, financial<br>reconciliation, and operational optimization. - Investigate and resolve complex clearing and settlement discrepancies.</li>
<li>Analyze financial impacts associated with transaction processing and scheme rule changes.</li>
<li>Support interchange, scheme fee, and reconciliation-related initiatives.</li>
<li>Business Analysis - Gather, analyze, and document business requirements.</li>
<li>Translate business needs into detailed functional specifications.</li>
<li>Perform impact assessments for new business initiatives, regulatory changes, and scheme<br>mandates.</li>
<li>Define business processes and operational procedures. - Collaborate with Technology teams during<br>solution design, implementation, and testing phases. </li>
<li>Scheme Management - Monitor and assess Visa and Mastercard rule changes.</li>
<li>Evaluate business and system impacts of scheme mandates and releases.</li>
<li>Coordinate implementation activities across business and technology stakeholders.</li>
<li>Act as a subject matter expert for scheme-related processes and operational requirements.</li>
<li>Incident Management & Operational Support</li>
<li>Analyze and troubleshoot clearing, settlement, and reconciliation issues.</li>
<li>Support root cause analysis and corrective actions. - Coordinate with internal teams, processors, and schemes<br>to resolve operational incidents.</li>
<li>Ensure proper controls and monitoring mechanisms are in place.<br>Stakeholder Management - Cards Business Teams - Operations - Finance - Technology - Risk & Compliance - Visa -<br>Mastercard - External Processors and Partners</li>
</ul>
<p><br><strong>REQUIRED EXPERIENCE</strong></p>
<ul>
<li>Mandatory - Proven experience as a Business Analyst within Cards, Payments, or Financial Services.</li>
<li>Strong expertise in: - Visa Clearing & Settlement - Mastercard Clearing & Settlement - Card Payment Processing -<br>Reconciliation Processes - Chargebacks and Disputes - Interchange Concepts - Issuing and/or Acquiring Business<br>Models.</li>
<li>Experience working with international card schemes. - Strong understanding of transaction lifecycle management.<br>Preferred</li>
<li>Experience working with payment processors or card platforms. - Knowledge of ISO 8583 messaging<br>standards.</li>
<li>Experience in multinational banking or payment environments. - Familiarity with regulatory and<br>compliance requirements related to card payments.</li>
</ul>
<p><br><strong>WHY SANTANDER?</strong></p>
<p>At Santander, you will have the opportunity to work at the heart of one of the world's leading financial institutions,<br>helping to shape the future of digital payments.</p>
<p>You will join an international team where innovation, collaboration, and continuous learning are part of our DNA. We<br>encourage curiosity, embrace emerging technologies such as Artificial Intelligence, and empower our people to make a<br>meaningful impact on millions of customers worldwide.</p>