We offer a flexible collaboration model based on a B2B contract, with the opportunity to work on innovative AI and automation initiatives for leading financial institutions.
Capco Poland is a global technology and management consultancy specializing in driving digital transformation across the financial services industry. We are passionate about helping our clients succeed in an ever-changing industry.
We are also:
- Experts in banking and payments, capital markets, wealth and asset management.
- Focused on maintaining our nimble, agile and entrepreneurial culture.
- Committed to growing our business and hiring the best talent to help us get there.
As a System Analyst, you will support the design and delivery of strategic transformation initiatives within the Payment Acceptance Platform domain. You will work closely with business stakeholders, architects, developers, operations teams and payment scheme representatives to analyze, design and implement acquiring solutions supporting merchant services.
The role focuses on the full merchant lifecycle, including merchant onboarding, acquiring transaction processing, clearing and settlement, merchant funding, disputes, fraud prevention, digital payments and integrations with the wider payment ecosystem.
Main Duties- Gather, analyze and document business and system requirements for the Payment Acceptance Platform.
- Prepare business and system analysis documentation, interface specifications, process flows and data mappings.
- Analyze merchant onboarding, merchant lifecycle and merchant hierarchy processes.
- Support initiatives related to acquiring transaction processing, clearing, settlement and merchant funding.
- Analyze merchant accounting rules, fee calculation processes and reconciliation requirements.
- Analyze dispute and chargeback processes across the acquiring lifecycle.
- Support fraud prevention and digital payments initiatives.
- Analyze integrations between the Payment Acceptance Platform and surrounding banking and payment systems.
- Prepare and review ISO8583 and ISO20022 message mappings.
- Support EMV-related initiatives and payment security requirements.
- Prepare test scenarios, acceptance criteria and support SIT, UAT and production deployments.
- Minimum 5 years of experience as a System Analyst, Business-System Analyst, Solution Analyst or similar role within banking, payments, fintech or acquiring.
- Strong understanding of the end-to-end acquiring process.
- Experience with merchant lifecycle management and merchant onboarding.
- Knowledge of clearing, settlement, merchant funding and reconciliation processes.
- Understanding of merchant accounting principles and fee calculation.
- Experience with disputes, chargebacks and fraud management.
- Knowledge of digital payments and e-commerce.
- Familiarity with Visa, Mastercard, American Express and BLIK.
- Understanding of Single Message and Dual Message processing.
- Knowledge of ISO8583 and ISO20022.
- Experience preparing analysis documentation, interface specifications and test scenarios.
- Strong analytical, communication and stakeholder management skills.
- Fluent English and Polish.
- Knowledge of EMV.
- Experience with Merchant Portal / Acquirer Portal solutions.
- Understanding of PCI DSS and payment security.
- Experience supporting certification projects with payment organizations.
- Screening call with the Recruiter
- Competencies interview with Capco Hiring Manager
- Client interview
- Feedback / Offer
Skills Required
- Minimum 5 years as System Analyst, Business-System Analyst, Solution Analyst or similar within banking, payments, fintech or acquiring
- Strong understanding of end-to-end acquiring process
- Experience with merchant lifecycle management and merchant onboarding
- Knowledge of clearing, settlement, merchant funding and reconciliation processes
- Understanding of merchant accounting principles and fee calculation
- Experience with disputes, chargebacks and fraud management
- Knowledge of digital payments and e-commerce
- Familiarity with Visa, Mastercard, American Express and BLIK
- Understanding of Single Message and Dual Message processing
- Knowledge of ISO8583 and ISO20022
- Experience preparing analysis documentation, interface specifications, data mappings and test scenarios
- Strong analytical, communication and stakeholder management skills
- Fluent English and Polish
- Knowledge of EMV
- Experience with Merchant Portal / Acquirer Portal solutions
- Understanding of PCI DSS and payment security
- Experience supporting certification projects with payment organizations
What the Team is Saying
Capco Compensation & Benefits Highlights
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Wellbeing & Lifestyle Benefits — Wellbeing is emphasized as part of culture with flexible/hybrid work, mental-health resources, coaching, and a global Wellbeing@Capco group. Flexible arrangements and regional wellbeing programs are positioned to support work–life integration.
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Parental & Family Support — Enhanced maternity, adoption, and shared-parental leave are highlighted alongside paid leave for sickness, pregnancy loss, fertility treatment, menopause, and bereavement. Return-to-work supports and family-friendly flexibility are explicitly called out.
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Healthcare Strength — Core benefits include medical, dental, and vision coverage, with disability and life insurance noted in some markets. Health coverage is consistently presented as a solid part of the package.
Capco Insights
What We Do
Capco, a Wipro company, is a global management and technology consultancy specializing in driving transformation in the energy and financial services industries. Capco operates at the intersection of business and technology by combining innovative thinking with unrivalled industry knowledge to fast-track digital initiatives for banking and payments, capital markets, wealth and asset management, insurance, and the energy sector. Capco’s cutting edge ingenuity is brought to life through its award-winning Be Yourself At Work culture and diverse talent. TRUSTED ADVISORS - Our collaborative and entrepreneurial approach position us as trusted long-term partners to our clients. DEEP EXPERTISE - Clients look to us for clear guidance, proven expertise, and the support they need to set their companies up for success. DISRUPTIVE SOLUTIONS- We do not provide off -the-shelf answers to clients’ challenges. Instead, we work in close collaboration to understand the issues, and craft disruptive, bespoke solutions. ACCOUNTABILITY AND OWNERSHIP - We recognize every client has distinct needs and expectations, and we take ownership and accountability for the solutions we design, build, and deliver.
Why Work With Us
We support and encourage an inclusive culture, entrepreneurial outlook and independent thinking. Capco is not about organizational charts and rigid hierarchies – we want all employees to feel that Capco is their firm to own and run. We believe diversity powers innovation. Be Yourself At Work (#BYAW) is an integral and underlying part of our culture
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Capco Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
