Payment Cards & Digital Wallet Specialist
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.
Soft Skills
- Strong communication skills with both technical and business stakeholders.
- Structured, problem‐solving mindset.
- Ability to work effectively in regulated and complex environments.
- High level of autonomy with a consulting‐oriented approach.
Nice‐to‐Have
- Experience with issuers, acquirers, PSPs, schemes, or fintech companies.
- Previous projects on card or digital wallet evolution within the Italian banking sector.
- Knowledge of payment regulations and key security frameworks.
Languages
- Italian (fluent)
- English (professional)