Zencon Group Inc. ยท 2 months ago
Business Analyst IV
Cupertino, CA, CA
Full-time
Onsite
Senior LevelZencon Group Inc. is seeking a Business Analyst IV to enhance their analytics and engineering efforts in the 3DS SCA authentication process. The role involves mapping the authentication funnel, conducting data analysis, and providing strategic insights to optimize performance and revenue recovery.
AnalyticsConsultingInformation Technology
Responsibilities
Collaborate extensively with our analytics and engineering teams to meticulously map every stage of the 3DS SCA authentication funnel, from initial transaction request to final authorization
Investigate and pinpoint the root causes for critical issues such as: Failure to initiate 3DS authentication for eligible transactions
Failure to submit authorization requests after a successful 3DS authentication
Conduct a thorough and detailed review of the EMV 3-D Secure Specification to understand all available data elements, status codes, and error codes
Determine what critical information, as defined by the 3DS spec, is currently missing or underutilized within our analytics funnel
Propose and define requirements for integrating newly identified, high-value data points into our analytics platform and reporting dashboards
Work closely with engineering to ensure accurate and comprehensive data capture, enabling full visibility into the authentication journey
Define key performance indicators (KPIs) and establish robust monitoring mechanisms to track the health and efficiency of the authentication funnel
Provide data-driven recommendations and strategic insights to optimize authentication flows, improve step-up rates, and minimize drop-offs, ultimately leading to significant revenue recovery
A comprehensive, documented map of the current 3DS SCA authentication funnel, clearly highlighting all drop-off points and identified failure modes
A detailed report outlining critical 3DS specification data points currently missing from our analytics and their potential value for business insights
A prioritized list of recommendations for data capture and integration enhancements
In-depth analysis of specific failure scenarios (e.g., reasons for 3DS initiation failure, post-authentication authorization declines)
An actionable optimization plan aimed at improving 3DS step-up rates and reducing funnel abandonment
Qualification
Required
Extensive hands-on experience and a thorough understanding of EMV 3-D Secure (3DS) specifications, including frictionless and challenge flows, data elements, message types, and the implications for Strong Customer Authentication (SCA) under regulations like PSD2
Proven ability to perform deep-dive data analysis, identify trends, draw robust conclusions, and translate findings into actionable strategies. Experience with funnel analysis is essential
Demonstrated ability to read, interpret, and apply complex technical specifications (e.g., payment protocols, API documentation) to real-world problems
Proactive, detail-oriented, and resourceful in identifying and solving complex technical and business challenges
Excellent verbal and written communication skills, with the ability to articulate technical concepts clearly to both technical and non-technical audiences
Company
Zencon Group Inc.
ZENCON GROUP: Empowering Digital Transformation, Service Excellence & Workforce Innovation Zencon Group is a global IT consulting firm and certified Microsoft Partner delivering high-performance digital solutions that help organizations modernize operations, elevate customer and citizen experiences, and scale with confidence.
Founded in 2011
51-200 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase