1000+ Best No experience Jobs in Móstoles (July 2026) - page 7

Business Analyst – Cards Clearing & Settlement (visa / Mastercard)

2 days ago

Boadilla del Monte

ph3SUMMARY /h3 pAt Santander, we are transforming the future of payments. As part of our Cards organization, you will work in a dynamic international environment, helping to shape and optimize the end-to-end card payment ecosystem across multiple markets and geographies. /p h3EDUCATION /h3 pBachelor's Degree in Business Administration, Finance, Economics, Computer Science, Engineering, or related field. Relevant certifications in Payments, Cards, Business Analysis, or Financial Services are considered an advantage. /p h3TECHNICAL SKILLS /h3 ul liBusiness Analysis methodologies and tools. /li liFunctional specification writing. /li liProcess modeling and documentation. /li liData analysis and troubleshooting capabilities. /li liSQL knowledge for investigation and analysis purposes. /li liUnderstanding of APIs and system integrations. /li liTesting support and UAT coordination. /li liPractical understanding of Artificial Intelligence concepts and applications. /li liAbility to leverage Generative AI tools to improve analysis, documentation, and productivity. /li liExperience using AI‑assisted tools for business analysis, process improvement, and decision support. /li liCuriosity and willingness to explore innovative technologies within the payments industry. /li liUnderstanding of how AI can enhance operational efficiency, customer experience, and risk management processes. /li liStrong analytical and problem‑solving mindset. /li liExcellent communication and stakeholder management skills. /li liAbility to operate in complex and highly regulated environments. /li liStrong attention to detail. /li liProactive and results‑oriented attitude. /li liAbility to work effectively in cross‑functional and international teams. /li /ul h3YOUR MISSION /h3 pAs a Business Analyst within the Cards organization, you will act as the bridge between Business, Operations, Technology, Finance, and external payment schemes. You will be responsible for analyzing, defining, and improving clearing and settlement processes, ensuring that card transactions are accurately processed and reconciled while complying with Visa and Mastercard operational rules. /p h3KEY RESPONSIBILITIES /h3 ul li pCards Clearing Settlement Expertise – Analyze and manage end‑to‑end card transaction flows, from authorization through clearing and settlement. /p pSupport business initiatives related to card payment processing, financial reconciliation, and operational optimization. /p pInvestigate and resolve complex clearing and settlement discrepancies. /p /li liAnalyze financial impacts associated with transaction processing and scheme rule changes. /li liSupport interchange, scheme fee, and reconciliation‑related initiatives. /li liBusiness Analysis – Gather, analyze, and document business requirements. /li liTranslate business needs into detailed functional specifications. /li liPerform impact assessments for new business initiatives, regulatory changes, and scheme mandates. /li liDefine business processes and operational procedures. Collaborate with Technology teams during solution design, implementation, and testing phases. /li liScheme Management – Monitor and assess Visa and Mastercard rule changes. /li liEvaluate business and system impacts of scheme mandates and releases. /li liCoordinate implementation activities across business and technology stakeholders. /li liAct as a subject matter expert for scheme‑related processes and operational requirements. /li liIncident Management Operational Support – Analyze and troubleshoot clearing, settlement, and reconciliation issues. /li liSupport root cause analysis and corrective actions. Coordinate with internal teams, processors, and schemes to resolve operational incidents. /li liEnsure proper controls and monitoring mechanisms are in place. /li liStakeholder Management – Cards Business Teams – Operations – Finance – Technology – Risk Compliance – Visa – Mastercard – External Processors and Partners. /li /ul h3REQUIRED EXPERIENCE /h3 ul liProven experience as a Business Analyst within Cards, Payments, or Financial Services. /li liStrong expertise in Visa Clearing Settlement, Mastercard Clearing Settlement, Card Payment Processing, Reconciliation Processes, Chargebacks and Disputes, Interchange Concepts, Issuing and/or Acquiring Business Models. /li liExperience working with international card schemes and transaction lifecycle management. /li liExperience working with payment processors or card platforms. /li liKnowledge of ISO 8583 messaging standards. /li liExperience in multinational banking or payment environments. /li liFamiliarity with regulatory and compliance requirements related to card payments. /li /ul h3WHY SANTANDER /h3 pAt Santander, you will have the opportunity to work at the heart of one of the world's leading financial institutions, helping to shape the future of digital payments. /p pYou will join an international team where innovation, collaboration, and continuous learning are part of our DNA. We encourage curiosity, embrace emerging technologies such as Artificial Intelligence, and empower our people to make a meaningful impact on millions of customers worldwide. /p /p #J-18808-Ljbffr

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