Sr. Interchange Strategy Analyst

Job title: Sr. Interchange Strategy Analyst

About the Role

As the Sr. Interchange Strategy Analyst, you will partner with VP-level leaders and cross-functional teams to optimize interchange costs, reduce downgrades, and improve cost-efficiency across Tyler’s portfolio. You will lead analysis of the financial and operational performance across Tyler’s public-sector payment types and translate findings into actionable strategies to drive revenue growth and profitability. This high-impact, self-starting role shapes interchange costs strategy and establishes long-term best practices within Tyler’s corporate staff.

What You'll Do

• Interchange & Fee Optimization: Analyze processor files and transaction data to evaluate effective rates, fee optimization opportunities, and margin outcomes.

• Provide targeted recommendations to optimize interchange costs across Tyler’s portfolio.

• Monitor downgrade trends and manage qualification factors (Level II, Level III, CEDP). Provide impact assessments and implementation guidance.

• Assess public-sector MCC usage across Tyler’s market segments and transaction channels.

• Serve as a subject-matter expert on interchange structures, pricing models, card brand fees, and network rules.

• Portfolio Performance & Financial Modeling: Analyze financial and operational performance across Tyler’s public-sector payment types. Provide benchmark guidance by market segment and payment type.

• Anticipate, evaluate, and model the impact of card-brand rule changes on portfolio performance.

• Model revenue and expense impacts for proposed initiatives.

• Monitor processor revenue streams to identify margin erosion, underpayment, and missed optimization opportunities.

• Cross-Functional Strategy & Implementation: Partner with VP-level leaders and cross-functional Product, Engineering, Finance, and Merchant Services teams to implement interchange optimization strategies, develop pricing models and cost analyses, and support new merchant onboarding best practices.

• Reporting, Dashboards & Insights: Produce monthly interchange reporting packages for leadership. Develop dashboards and command centers to track interchange trends, profitability, and cost drivers.

• What We're Looking For

• Bachelor’s degree in Business, Finance, Statistics, or equivalent experience.

• 3–5+ years of experience in credit card processing, payment analytics, acquiring industry – or demonstrated success in an adjacent field.

• Understanding of interchange structures, interchange discount qualification logic, network rules, card-brand fees, and acquiring economics.

• Independent, self-motivated, curious, and entrepreneurial mindset.

• Demonstrated experience with processor/IFDA analysis and creating actionable financial recommendations.

• Familiarity with major processors such as Fiserv, Global Payments, and Chase.

• Advanced Excel skills and experience with Power BI or similar tools.

• Fintech experience preferred.

• Experience working with government merchants, utilities, tax payments, or public-sector entities is a plus.

• Nice to Have

• Public-sector experience is a plus.

• Compensation & Benefits

• Salary will generally fall between $147,198 - $240,165 before adjustment for geographic differences.

• Benefits include competitive health and financial wellness offerings, with recognition as a Great Place to Work and Grow Your Career.