We are seeking a Payment Cards & Digital Wallet Specialist to support a leading Payments client on initiatives related to card issuing, tokenization, and digital wallets.
Key Responsibilities
* Support the design and implementation of digital wallet payment solutions (Apple Pay, Google Pay, Samsung Pay, Huawei Pay), including Bancomat
* Manage card tokenization activities and related Identification & Verification (ID&V) processes.
* Contribute to the enablement and certification of new payment products across schemes and wallets.
* Provide functional support on debit and credit card issuing, including BIN management and product configuration.
* Collaborate with PSPs and specialized vendors for technical integrations via APIs, ISO messaging, and third‐party solutions.
* Support wallet operations in case of card block, theft, or loss, including end‐to‐end token lifecycle management.
* Engage with internal and external stakeholders (IT, Compliance, vendors, schemes) to ensure regulatory and technical alignment.
Required Skills
* Strong knowledge of wallets supporting the Bancomat scheme: Apple Pay, Google Pay, Samsung Pay, Huawei Pay.
* Strong knowledge of digital wallets, tokenization, and card issuing (debit/credit).
* Experience with ID&V methods and authentication protocols (e.g., 3DS).
* Awareness of Bancomat limitations versus international schemes (Visa/Mastercard), particularly for e‐commerce and card‐on‐file use cases.
* Solid understanding of the PSD2 framework and Bank of Italy regulations, including:
* Non compliance of SMS OTP
* Increasing adoption of 3D Secure for authentication.
* Knowledge of wallet implementation models: direct integration, ISO messaging, and third‐party APIs.
* Familiarity with specialized wallet PSPs (e.g. Worldline or equivalent).
* Strong understanding of card BIN management, including the distinction between debit and credit products.
* Awareness that product classification is defined at BIN level, not BIN range.
* Knowledge of token behavior in wallets in case of card block, theft, or loss (temporary suspension, deletion, reactivation).
* Nice‐to‐have: understanding of automatic token migration processes subject to customer consent.