Process Architect- Card Processing

Job Summary

We are seeking a Senior Process Architect with strong expertise in Card Processing and Credit Card Issuer Operations Transformation to lead end-to-end process discovery, architecture, and redesign for a large-scale unified case management transformation program.

The ideal candidate will have deep financial services experience, hands-on knowledge of credit card back-office operations, and the ability to translate business processes into scalable workflow, case management, and integration requirements.

Mandatory Skill: Process Architect – Card Processing.

Key Responsibilities

• Lead process discovery workshops with business stakeholders, subject matter experts, process owners, and compliance teams.
• Document and analyze current-state processes across fraud management, disputes, collections, payments, phone servicing, FCRA/compliance, originations, and related back-office operations.
• Develop end-to-end process maps, swim-lane diagrams, RACI matrices, exception flows, system touchpoints, and SLA mappings.
• Design future-state processes and identify opportunities to eliminate manual work, reduce rework, improve efficiency, and optimize operational workflows.
• Establish process prioritization frameworks based on business value, cost savings, transaction volumes, operational efficiency, risk, compliance, and integration complexity.
• Translate process designs into functional specifications for case management platforms, workflow orchestration engines, business rules engines, and agent desktop solutions.
• Define workflow states, routing rules, decision logic, SLA configurations, and exception-handling procedures.
• Identify integration requirements across backend systems, including API contracts, event triggers, and data dependencies.
• Collaborate with business analysts, solution architects, integration architects, and technology teams to ensure process designs are technically feasible.
• Define process documentation standards and maintain a centralized process inventory and transformation tracker.
• Facilitate prioritization and sign-off sessions with senior business and technology stakeholders.
• Develop executive-level presentations, discovery findings, business cases, and process transformation recommendations.

Required Skills and Qualifications

• 10+ years of experience in process architecture, business analysis, business process management, or operational transformation.
• Minimum 5 years of experience in financial services, banking, credit cards, or consumer lending.
• Mandatory hands-on experience as a Process Architect in Card Processing or Credit Card Issuer Operations.
• Strong knowledge of credit card back-office processes, including at least two of the following:
• Fraud management
• Disputes and chargebacks
• Collections and recovery
• Payments processing
• FCRA and credit bureau operations
• Customer/phone servicing
• Proven experience leading large-scale process discovery and documenting 100+ business processes.
• Experience designing current-state and future-state business processes and operating models.
• Hands-on experience with case management and workflow platforms such as Pega, Appian, or equivalent solutions.
• Proficiency in process mapping tools such as Microsoft Visio, Lucidchart, or draw.io.
• Knowledge of relevant financial services regulations, including Reg E, Reg Z, FCRA, SCRA, FDCPA, and CFPB complaint management.
• Experience defining workflow requirements, business rules, integrations, system dependencies, and operational SLAs.
• Strong stakeholder management and workshop facilitation skills, including engagement with senior business and technology leadership.
• Experience with process prioritization, operational metrics, cost optimization, and business case development.
• Excellent communication, analytical, documentation, and presentation skills.

Preferred Qualifications

• Experience with card processing platforms such as TSYS, First Data/FDR, Hogan, or FIS.
• Knowledge of e-OSCAR, Metro 2 credit reporting, ACDV, and AUD processes.
• Experience with collections workbench platforms and bankruptcy workflows, including Chapter 7 and Chapter 13.
• Six Sigma Green Belt or Black Belt certification.
• Experience with process mining and discovery tools such as Celonis.
• Experience delivering large-scale enterprise workflow or case management transformation programs.

Ideal Candidate Profile

The ideal candidate is a hands-on Process Architect with direct card processing or credit card issuer operations experience who can lead process discovery, challenge existing operating models, design future-state workflows, and translate business requirements into actionable platform architecture.