Job Description

Ever tapped your phone to buy a morning coffee, or made a purchase from your favourite online store? Chances are, we’ve made it happen.

At Cuscal, we’ve been at the forefront of payments innovation for over 60 years, enabling seamless, secure solutions that millions of Australians rely on every day. From launching Australia’s first ATM to driving real-time payments through the NPP, we continue to push boundaries - and we’re not stopping now.

Your Opportunity

As a Business Analyst – Payments, you’ll play a critical role in delivering complex payments solutions across Cards and real-time payments.

You’ll work closely with product, technology and client teams to define requirements, drive discovery and translate business needs into actionable outcomes that deliver value to our clients and their customers.

You’ll make an impact by:

• Translating requirements into clear user stories with acceptance criteria
• Producing high-quality artefacts including process maps, gap and impact analysis
• Supporting delivery teams through refinement and solution design
• Driving data validation, reconciliation and migration activities
• Partnering with stakeholders across product, engineering and external clients

Qualifications

About you

You’re an experience Business Analyst with deep payments expertise and the ability to navigate complex, enterprise environments.

Must-have experience:

• Strong experience in cards switch processing
• Hands-on knowledge of AS2805 / ISO8583 messaging
• Experience setting up debit, credit and prepaid card products
• Solid understanding of dual message processing
• Knowledge of card schemes (Visa, Mastercard, eftpos) and scheme compliance
• Experience with New Payments Platform (NPP)
• Understanding of PayID, PayTo, CoP and PACs messaging
• Familiarity with SWIFT messaging standards

Key capabilities:

• Expert in requirements gathering and documentation
• Strong experience in process mapping, gap analysis and technical specifications
• Ability to lead workshops and drive stakeholder alignment
• Proven experience working with technical teams in agile environments
• Strong data analysis skills, including SQL and Oracle

Nice to have:

• Exposure to digital wallets and tokenisation
• Experience with financial crime / fraud systems in Cards or NPP

Additional Information

Why Cuscal?

At Cuscal, you’ll experience interesting work that’s transforming. You get the security of an established organisation and the energy of a company committed to innovation. For 60 years, we’ve set the standard in payments, and now we’re preparing to redefine it for the future.

You’ll also enjoy a range of benefits, including:

• Recognition and growth Celebrate achievements through IGNITE and grow with tailored development opportunities
• Wellbeing focus: We support your physical, mental and financial health with holistic initiatives and access to discounts via Cuscal Advantage
• Inhouse Barista: for whenever you feel like your favourite hot beverage

If you’re excited about this opportunity, we’d love to explore how you can contribute to our vision. Applications may be reviewed as they’re received, so don’t wait - apply now.

Cuscal is an equal opportunity employer committed to creating a diverse, inclusive and barrier-free workplace. We welcome applications from Aboriginal and Torres Strait Islander peoples, people living with disability, LGBTQIA+ communities and individuals from culturally diverse backgrounds.