Company Overview

The organisation operates in the digital payments and financial technology industry, supporting payment services that enable businesses and consumers to conduct secure electronic transactions. Its operational activities involve payment processing, card-based financial services, transaction management and coordination with financial institutions and payment infrastructure providers.

The organisation aims to maintain dependable payment operations while improving transaction efficiency, operational controls and service reliability across its financial technology environment.

Role Summary

The Card Issuing & Payment Scheme Operations Specialist will oversee operational activities associated with payment card programmes and card transaction infrastructure. The role focuses on supporting card issuing processes, monitoring payment scheme requirements, coordinating operational changes and maintaining effective communication with processing partners and financial institutions.

The successful candidate will contribute to the smooth operation of debit, prepaid or other supported payment card programmes. This includes assisting with card lifecycle management, transaction monitoring, operational reconciliations and the implementation of payment scheme procedures.

Key Responsibilities

• Coordinate operational activities associated with card issuing programmes and payment card services.

• Support card lifecycle processes, including issuance, activation, replacement, renewal and account-related maintenance.

• Monitor card transaction processing activities and investigate operational exceptions.

• Assist with the implementation of payment scheme operating procedures and service requirements.

• Maintain operational relationships with card processors, issuing partners and relevant financial institutions.

• Support the review and implementation of changes affecting card transaction processing.

• Monitor card programme performance and prepare operational reports for internal stakeholders.

• Investigate failed transactions, processing discrepancies and card-related service incidents.

• Coordinate with customer support and technical teams to resolve card programme issues.

• Assist with card programme reconciliations and the investigation of settlement differences.

• Maintain accurate documentation covering card operations, procedures and partner requirements.

• Support operational testing when card products, processing systems or payment configurations are updated.

• Identify opportunities to improve card service reliability and reduce recurring operational issues.

• Assist in monitoring compliance with applicable payment scheme rules and internal operational controls.

Requirements and Qualifications

• Bachelor’s degree in Finance, Banking, Business Administration, Economics or a related field.

• Professional experience in card operations, payment processing, digital banking or financial services operations.

• Understanding of card issuing, card processing, transaction authorisation and settlement procedures.

• Familiarity with payment card lifecycle management and operational reconciliation.

• Knowledge of card payment schemes and their operating requirements.

• Ability to investigate transaction exceptions and identify the causes of operational discrepancies.

• Strong numerical, analytical and organisational skills.

• Experience using payment processing platforms, financial operations systems or reporting tools is beneficial.

• Good understanding of financial controls, operational risk and payment security practices.

• Strong communication skills and the ability to coordinate with internal and external stakeholders.

• Ability to manage multiple operational priorities in a remote working environment.

Benefits

• Fully remote working opportunity within Estonia.

• Opportunity to develop specialist expertise in card issuing and payment scheme operations.

• Exposure to modern payment processing platforms and financial infrastructure.

• Collaboration with payment technology professionals and financial services partners.

• Continuous learning opportunities within the digital payments industry.

• Professional environment focused on operational quality and process improvement.

• Long-term career development within financial technology operations.

Application Instructions

Candidates should provide an updated CV detailing their experience in payment processing, card issuing, card programme administration or related financial operations. Applicants are encouraged to highlight their familiarity with transaction processing, operational reconciliations, payment scheme procedures and cross-functional coordination.

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