Randstad Digital Americas · 1 day ago
Business Analyst - Debit Card Reporting
United States
Contract
Remote
Mid Level
$55/hr - $65/hr
3+ years expRandstad Digital Americas is seeking a hands-on analyst to lead the annual Federal Reserve Debit and Prepaid survey for a bank. This role involves analyzing processor data to ensure accurate regulatory filings and collaborating with clients and stakeholders to enhance reporting processes.
Information Technology & Services
Responsibilities
Lead the annual completion of the Federal Reserve Debit Card Issuer Survey for multiple Bank clients
Interpret reporting instructions to ensure correct treatment of:
Included cost categories, such as cardholder inquiries about transaction details, error resolution, potential fraud, cardholder rewards paid in the reporting year, and nonsufficient funds collection activities (source)
Excluded cost categories, such as inquiries about balances, rewards program administration, credit or ATM transactions, and rewards earned but not paid in the reporting year (source)
Ensure proper classification of GAAP/IFRS based amortized or depreciated capital expenditures (source)
Support allocation of shared processing costs across debit, prepaid, and other card programs where required (source)
Gather detailed transaction, cost, and operational data from internal banking systems, card processors, and vendor partners
Validate financial and operational figures to ensure completeness and accuracy including:
All debit card transactions linked to U.S. domiciled accounts with U.S. merchants (source)
Both consumer and business debit card transactions (source)
Build cost allocation models for:
Authorization, clearance, and settlement processing
Chargebacks, disputes, fraud losses
Cardholder servicing and reward payouts
Prepaid program components where applicable
Serve as subject matter liaison between the Banks, their card processors, finance teams, and internal leadership
Coordinate data requests, timelines, and process controls to ensure on time completion of the annual submission
Communicate regulatory and reporting requirements in clear, bank friendly language
Document methodologies for allocating shared costs across card programs
Maintain audit ready workpapers and support client examinations or Federal Reserve inquiries
Recommend improvements to clients' data capture, tracking, and reporting processes
Monitor changes in Federal Reserve reporting requirements and debit card industry standards
Propose enhancements to templates, tools, and automation supporting the survey process
Qualification
Required
3+ years in business analysis, financial analysis, card operations, payments, or banking analytics
Experience working with debit card transaction data, card processors, or card program operations
Strong understanding of cost allocation, financial reporting, or GAAP/IFRS depreciation concepts
Proficiency with Excel, SQL, or analytical tools used for data reconciliation and modeling
Ability to interpret regulatory reporting instructions and apply judgment to ambiguous data
Preferred
Experience completing the Federal Reserve Debit Card Issuer Survey or similar regulatory banking filings
Background in Community Banking, FinTech, card program management, or prepaid programs
Familiarity with vendor data from Fiserv, FIS, Jack Henry, or other processing platforms
Consulting or client facing analytical experience
Benefits
Medical
Prescription
Dental
Vision
AD&D
Life insurance offerings
Short-term disability
401K plan
Company
Randstad Digital Americas
Randstad Digital is a trusted digital enablement partner that facilitates accelerated transformation for businesses by providing global talent, capacity, and solutions across specialized domains.
10001+ employees
Funding
Current Stage
Late StageLeadership Team
Graig Paglieri
CEO, Randstad Digital Americas
Pascal de Hesselle
SVP, Executive Client Partner - Technology, Media & Telecom
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