ph3SUMMARY /h3pAt Santander, we are transforming the future of payments. As part of our Cards organization, you will work in a /ph3SUMMARY /h3pAt 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. We are looking for a highly experienced Business Analyst specialized in Cards Clearing Settlement, with deep expertise in Visa and Mastercard schemes, card payment processing, and financial reconciliation processes. This role is critical to ensuring the accuracy, efficiency, and compliance of card transaction processing across the entire payment lifecycle. /ph3EDUCATION /h3pBachelor'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. /ph3TECHNICAL SKILLS /h3ulliBusiness Analysis methodologies and tools. /liliFunctional specification writing. /liliProcess modeling and documentation. /liliData analysis and troubleshooting capabilities. /liliSQL knowledge for investigation and analysis purposes. /liliUnderstanding of APIs and system integrations. /liliTesting support and UAT coordination. /liliPractical understanding of Artificial Intelligence concepts and applications. /liliAbility to leverage Generative AI tools to improve analysis, documentation, and productivity. /liliExperience using AI-assisted tools for business analysis, process improvement, and decision support. /liliCuriosity and willingness to explore innovative technologies within the payments industry. /liliUnderstanding of how AI can enhance operational efficiency, customer experience, and risk management processes. /liliStrong analytical and problem-solving mindset. /liliExcellent communication and stakeholder management skills. /liliAbility to operate in complex and highly regulated environments. /liliStrong attention to detail.



/liliProactive and results-oriented attitude. /liliAbility to work effectively in cross-functional and international teams. /liliContinuous improvement mindset. /li /ulh3YOUR MISSION /h3pAs 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. /ph3KEY RESPONSIBILITIES /h3ulliCards Clearing Settlement Expertise /liliAnalyze and manage end-to-end card transaction flows, from authorization through clearing and settlement. /liliSupport business initiatives related to card payment processing, financial reconciliation, and operational optimization. /liliInvestigate and resolve complex clearing and settlement discrepancies. /liliAnalyze financial impacts associated with transaction processing and scheme rule changes. /liliSupport interchange, scheme fee, and reconciliation-related initiatives. /liliBusiness Analysis /liliGather, analyze, and document business requirements. /liliTranslate business needs into detailed functional specifications. /liliPerform impact assessments for new business initiatives, regulatory changes, and scheme mandates. /liliDefine business processes and operational procedures. /liliCollaborate with Technology teams during solution design, implementation, and testing phases. /liliScheme Management /liliMonitor and assess Visa and Mastercard rule changes. /liliEvaluate business and system impacts of scheme mandates and releases.



/liliCoordinate implementation activities across business and technology stakeholders. /liliAct as a subject matter expert for scheme-related processes and operational requirements. /liliIncident Management Operational Support /liliAnalyze and troubleshoot clearing, settlement, and reconciliation issues. /liliSupport root cause analysis and corrective actions. /liliCoordinate with internal teams, processors, and schemes to resolve operational incidents. /liliEnsure proper controls and monitoring mechanisms are in place. /liliStakeholder Management /liliCards Business Teams /liliOperations /liliFinance /liliTechnology /liliRisk Compliance /liliVisa /liliMastercard /liliExternal Processors and Partners /li /ulh3REQUIRED EXPERIENCE /h3ulliMandatory /liliProven experience as a Business Analyst within Cards, Payments, or Financial Services. /liliStrong expertise in: /liliVisa Clearing Settlement /liliMastercard Clearing Settlement /liliCard Payment Processing /liliReconciliation Processes /liliChargebacks and Disputes /liliInterchange Concepts /liliIssuing and/or Acquiring Business Models. /liliExperience working with international card schemes. /liliStrong understanding of transaction lifecycle management. /liliPreferred /liliExperience working with payment processors or card platforms. /liliKnowledge of ISO 8583 messaging standards. /liliExperience in multinational banking or payment environments. /liliFamiliarity with regulatory and compliance requirements related to card payments. /li /ulh3WHY SANTANDER? /h3pAt 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. You 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

📌 Business Analyst – Cards Clearing & Settlement (visa / Mastercard) (Madrid)
🏢 Getnet
📍 Madrid