Strategic Interchange Analyst

🔥 17 hours ago

🇺🇸 United States – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 16%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Constellation Payments

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2012

💳 Fintech

🤝 B2B

🛍️ eCommerce

Fintech • B2B • eCommerce

Constellation Payments is a leading payment platform in North America, dedicated to providing seamless payment solutions for Constellation's six operating groups in the USA and Canada. As a trusted payment partner, they offer credit and debit processing, SaaS fee collection, and ACH processing, catering to a variety of payment needs including card-present, eCommerce, and recurring billing. By leveraging API documentation, integration support, and specialized industry expertise, Constellation Payments empowers businesses to streamline financial processes, enhance revenue potential, and improve customer satisfaction. Their platform supports over 4,000 merchants, offering real-time reporting and customized portal options. Constellation Payments is a registered agent for Worldpay under Fifth Third Bank.

📋 Description

• Own interchange qualification and network-cost performance across the portfolio, identifying downgrade drivers, cost leakage, routing opportunities and remediation priorities • Monitor Visa, Mastercard and other relevant network changes, assess their financial impact and maintain current interchange rules, cost tables and optimization guidance • Analyze routing logic and transaction behavior to identify opportunities that improve qualification and payment economics • Use advanced SQL and other programming or query languages to analyze and reconcile large transaction, interchange, billing and network-fee datasets • Build automated monitoring, reporting and analytical workflows using AI, Python, Java or comparable tools to improve efficiency, accuracy and scalability • Translate complex payments analysis into clear executive insights, financial-impact assessments and practical recommendations

🎯 Requirements

• 5+ years of experience in payments, merchant acquiring, payment facilitation, processing, card networks, issuing, gateway operations or a closely related field • Deep knowledge of Visa and Mastercard interchange structures, qualification criteria, downgrade drivers, assessments, network fees and card-brand operating rules • Strong understanding of the payments ecosystem, including card brands, networks, issuers, acquirers, processors, gateways, PayFacs, merchants and sponsor banks • Advanced SQL proficiency, with demonstrated experience independently querying, joining, validating and interpreting large and complex datasets • Hands-on proficiency with Python, Java or another programming or query language used for analysis, automation and data workflow development • Demonstrated ability to use AI tools to automate workflows, improve analytical efficiency and communicate data-driven insights • Experience in merchant acquiring, payment facilitation, or processor environments • Knowledge of PIN debit, least-cost routing, FANF, VAMP, assessments, compliance fees and other network-related costs • Experience building interchange reference tables, qualification engines, reconciliation frameworks, portfolio monitoring or profitability models • Familiarity with payment-message data, gateway field mapping and authorization-to-clearing analysis • Degree in a quantitative or technical field such as Computer Science, Engineering, Mathematics, Statistics, Economics or Finance

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