[Hiring] Strategic Interchange Analyst @Constellation Payments

Role Description

We are hiring a Strategic Interchange Analyst to own and advance interchange, card network, routing and payment-cost optimization across our payments portfolio. This is a hands-on role for a senior payments professional who can combine deep interchange and network knowledge with advanced data analysis, workflow automation and clear business storytelling.

• Build on an established analytical foundation, using transaction-level data to identify qualification issues, cost leakage, routing opportunities and emerging portfolio trends.
• Monitor network changes, quantify their impact and turn complex findings into practical recommendations for technical, financial and commercial stakeholders.

• 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 transactions, 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.

Qualifications

• 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 fields such as Computer Science, Engineering, Mathematics, Statistics, Economics or Finance.

Company Description

Constellation Payment Processing is a modern Payment Facilitator (PayFac) empowering SaaS businesses to grow revenue through seamless, embedded payments. As part of Constellation Software Inc. (TSE: CSU), a global Canadian-based software leader, we combine the agility of a specialized payments company with the strength and stability of an established global organization.