Skip to content
CV Rocket
Get started
How it worksThe enginePricingBlogContactSign in

Open nowPosted 115 days ago

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

Getnet50 open roles

Where
Spain - Boadilla del Monte, Madrid
Get the CV for this job

From $25 per CV, paid once. No subscription.

Your applicationOpen nowBusiness Analyst – Cards Clearing & Settlement (visa / Mastercard)Getnet · Spain - Boadilla del Monte, Madrid

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Getnet's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

7.8% of postings close within 7 days. Measured by our own scanner across the market. Getnet postings stay open a median of 4 days.

Share of postings closed within
  1. 1.6%1 day
  2. 3.4%3 days
  3. 7.8%7 days
  4. 14.3%14 days
  5. 33.7%30 days
This job: posted 115 days ago

Getnet median: 4 days open

The posting

SUMMARY

At 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.

EDUCATION

Bachelor'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.

TECHNICAL SKILLS

  • Business Analysis methodologies and tools.
  • Functional specification writing.
  • Process modeling and documentation.
  • Data analysis and troubleshooting capabilities.
  • SQL knowledge for investigation and analysis purposes.
  • Understanding of APIs and system integrations.
  • Testing support and UAT coordination.
  • Practical understanding of Artificial Intelligence concepts and applications.
  • Ability to leverage Generative AI tools to improve analysis, documentation, and productivity.
  • Experience using AI-assisted tools for business analysis, process improvement, and decision support.
  • Curiosity and willingness to explore innovative technologies within the payments industry.
  • Understanding of how AI can enhance operational efficiency, customer experience, and risk management processes.
  • Strong analytical and problem-solving mindset.
  • Excellent communication and stakeholder management skills.
  • Ability to operate in complex and highly regulated environments.
  • Strong attention to detail.
  • Proactive and results-oriented attitude.
  • Ability to work effectively in cross-functional and international teams.
  • Continuous improvement mindset.

YOUR MISSION

As 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.

KEY RESPONSIBILITIES

  • Cards Clearing & Settlement Expertise - Analyze and manage end-to-end card transaction flows, from authorization through clearing and settlement. - Support business initiatives related to card payment processing, financial reconciliation, and operational optimization. - Investigate and resolve complex clearing and settlement discrepancies.
  • Analyze financial impacts associated with transaction processing and scheme rule changes.
  • Support interchange, scheme fee, and reconciliation-related initiatives.
  • Business Analysis - Gather, analyze, and document business requirements.
  • Translate business needs into detailed functional specifications.
  • Perform impact assessments for new business initiatives, regulatory changes, and scheme mandates.
  • Define business processes and operational procedures. - Collaborate with Technology teams during solution design, implementation, and testing phases.
  • Scheme Management - Monitor and assess Visa and Mastercard rule changes.
  • Evaluate business and system impacts of scheme mandates and releases.
  • Coordinate implementation activities across business and technology stakeholders.
  • Act as a subject matter expert for scheme-related processes and operational requirements.
  • Incident Management & Operational Support
  • Analyze and troubleshoot clearing, settlement, and reconciliation issues.
  • Support root cause analysis and corrective actions. - Coordinate with internal teams, processors, and schemes to resolve operational incidents.
  • Ensure proper controls and monitoring mechanisms are in place. Stakeholder Management - Cards Business Teams - Operations - Finance - Technology - Risk & Compliance - Visa - Mastercard - External Processors and Partners

REQUIRED EXPERIENCE

  • Mandatory - Proven experience as a Business Analyst within Cards, Payments, or Financial Services.
  • Strong expertise in: - Visa Clearing & Settlement - Mastercard Clearing & Settlement - Card Payment Processing - Reconciliation Processes - Chargebacks and Disputes - Interchange Concepts - Issuing and/or Acquiring Business Models.
  • Experience working with international card schemes. - Strong understanding of transaction lifecycle management. Preferred
  • Experience working with payment processors or card platforms. - Knowledge of ISO 8583 messaging standards.
  • Experience in multinational banking or payment environments. - Familiarity with regulatory and compliance requirements related to card payments.

WHY SANTANDER?

At 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.

From $25, paid onceGet the CV for this job

What happens when you press

One press. We do the rest.

  1. A CV for this posting

    Written against Getnet's own wording, from every piece of relevant proof in your profile.

  2. 25 readers review it

    Recruiter, hiring manager, skeptic and more read every draft, round after round. You get the best round.

    The review screen in CV Rocket: how each CV was read, round by round.

  3. We apply on Getnet's form

    Our application engine gets through the hardest forms there are. Where a question needs you, AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

    An application in CV Rocket: every answer filled in on the employer's form.

  4. Every reply, sorted

    Getnet's answer lands in your private mailbox, and we classify it on arrival: interview, question, rejection.

    The CV Rocket inbox: each employer reply classified as an interview, an action or a rejection.

  5. Reply with AI

    AI helps you write the email, checks it and sends it. We show you whether the recruiter read it.

  6. The interview in your calendar

    Full integration with your calendar. The invitation goes straight in.

    An interview invitation in the CV Rocket inbox, added to the candidate's calendar.
Get the CV for this job

From $25 per CV, paid once. No subscription.

Why it works

3×

more interviews than doing it yourself with ChatGPT.

ChatGPT writes a CV and never learns what happened to it. We see every reply. For each CV we know:

  • How it was written, and how the review scored it
  • When we applied, and how long after the posting went up
  • Which posting, which company, which city
  • Who got the interview, and who heard nothing

That is how we know which CVs get called.

Get the CV for this job

From $25 per CV, paid once. No subscription.

The numbers game

More applications. More interviews.

Every application goes out with its own CV, written for that posting and paid once. Send enough of them and the law of large numbers finds you the job.

Get the CV for this job
By hand5–10
With CV Rocket100
applications a day

Nearby

Live postings like this one

Same employer first, then the same role elsewhere.

Before you press

Straight answers

Get the CV for this job

From $25 per CV, paid once. No subscription.

What if my background isn't good enough?

We make the most of the background you have. The CV uses every piece of relevant proof your profile holds, and one of the 25 readers reads your whole profile and flags what the CV left out.

Do you really apply for me?

Yes, on the employer's own form, the hardest ones included. Where a question needs you, you answer it right there and AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

Is it a subscription?

No. You pay once per CV, from $25. Every application goes out with its own CV, written for that posting.

One job. One CV.
Paid once.

Pick the posting you want. We write for it, apply for you and catch the reply.

Get the CV for this job

From $25 per CV, paid once. No subscription.