Senior Analyst - Card Payments Systems

Job Title : Senior Analyst - Card Payments Systems Job Location : Bahrain

Job Role

This job description applies to all Senior Analysts in the Card Payments Systems team. However, the systems knowledge and experience may differ depending on the analysts' experience in card issuing or acquiring. Senior Analysts provide information technology support to the 24/7 operations of the cash management business. They also provide project management leadership or support to IT projects within Card Payments Systems. Senior Analysts ensure systems compliance with the internal policies and procedures of the Bank and with the external requirements of the regulations defined by Visa, MasterCard, Amex, JCB, Dinners, Rupay, UPI BENEFIT and other GCC switches.

Years & Nature Of Experience

• A minimum of 5-7 years card systems experience in a bank or other financial services organisation.

Key Responsibilities

IT systems responsibilities

• Lead or participate in the management of card payment systems projects including the preparation of RFPs, RFQs capital expenditure plans, project plans, test cases and project status reports to ensure effective resource allocations, timely communication and adherence to approved project management methodologies.
• Maintaining system health of the production, development and disaster recovery environments to ensure 24x7 uptime and business continuity.
• Conduct root cause analysis across multiple systems to ensure issue identification and resolution to ensure non-recurrence of system or procedural problems.
• Implement compliance related system changes for card payment related issues to ensure all systems remain compliant.
• Support the development of card payment systems enhancements and improved business processes by gathering data, redesigning processes, systems and data flow to improve user experiences.
• Interact, as the IT contact with system suppliers, payment schemes, national switches and certifying agencies to ensure effective communication with the card payments team.

Self-management Responsibilities

• Define performance goals with the reporting manager and ensure ongoing dialogue towards effective implementation and achievement.
• Take ownership of your own professional development and learning agenda by identifying development needs in consultation with your reporting manager and working towards bridging the gaps with a range of initiatives that go beyond just training.
• Understand the competencies relevant to this role, and work towards developing these effectively.
• Keep abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.

Contributions

• Operate according to the values in order to demonstrate commitment to these principles.
• Develop relationships with customers, industry, community and government in order to represent the Group effectively to key stakeholders.
• Operate according to the policies, procedures and legislation that govern in order to ensure appropriate levels of compliance.
• Lead and participate in projects, committees and working groups, as required.
• Perform other duties as may be reasonably required from time to time.

Skills And Competencies

• Previous experience using fraud management systems e.g. TSYS FraudGuard, Safe-Guard, IBM SaferPayments Clari5 or similar.
• Previous experience using a hardware security module for security key management and processing.
• Knowledge of the interface configurations and setup with MasterCard MIP, VISA EA Server and National Switches.
• Proficient in Linux, Unix, and Windows operating environments with working knowledge in shell scripting, IIS, Web-services, Batch Scripting.
• Proficient in PL SQL with working knowledge of Informix and Oracle databases.
• Demonstrated ability to multitask, work in a high-pressured environment and make effective decisions.
• Proven project management skills.
• Excellent numerical critical reasoning skills with the ability to develop and manage project budgets.
• Excellent written and verbal communication skills with experience developing and documenting business processes.
• Flexible and able to work outside normal business hours as required.

For Acquiring Analysts

• Previous experience of card acquiring certifications with payment scheme e.g. MTIP, ADVT, CDET.
• Previous experience of Fime SmartSPY, Visa, MasterCard, MADA simulators for certification.
• Previous experience of Card/ATM acquiring switches e.g. CSFi U-Switchware, Base24, Postilio.
• Previous experience of payment scheme clearing processes using MC Clearing Optimizer, MFE & Visa Edit Package.
• Knowledge of ATM electronic journal and security applications e.g. NCR, GRG, Wincore product suites.
• Knowledge of AADC, AANDC emulation, ISO 8583, Dynamic Currency Conversion, 3DSecure.
• Proven ability in building ATM config files, receipt files, ATM Screens, using Paragon Config-Builder and NCR Connection.

For Issuing Analysts

• Previous experience of card authorization switches and management systems e.g. CSFi U-Switchware, TSYS Prime, HPS PowerCARD.
• Knowledge of Visa, MasterCard, MADA certifications using simulators.
• Knowledge of credit bureau reporting, payment schemes reporting and ISO messaging requirements.
• Knowledge of Tokenization, 3D Secure (MasterCard SecureCode and Verified by Visa).
• Knowledge of card personalisation systems for instant issuance at branches and bulk issuance e.g. TranzAxis CompassPlus.

KEY PERFORMANCE INDICATOR

• Maintenance of card issuing systems to ensure 95% system up time.
• Resolution of SLA issues to ensure smooth card operations.
• Analyse and/or implement 80% of business and operational system enhancements within planned schedule and budget.
• Address 90% of the audit, security and compliance requirements with resolution or mitigating controls.

KEY INTERACTIONS

Internal

• Builds and maintains effective relationships with stakeholders from Cash Management Operation, Card Business, Merchant Acquiring, Business, Audit, Operational Risk, Compliance, IT and actively seeks their input.

External

• System Suppliers
• Payment Schemes
• Certifying Agencies
• National Switches
• Auditing Agencies

Threshold Qualifications

• An undergraduate degree is essential; preferably within IT, engineering or science.
• Standards: ISO27001, PCI-DSS.
• Professional certifications in ITIL, COBIT would be preferred.

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