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About the Role

We are looking for a highly skilled Senior Card Payments Specialist to join our Payments Scheme team. This is a senior, hands-on position for someone with approximately 15 years experience within banking and financial services, with deep specialist knowledge of card payments and card scheme requirements. This is not a team leadership or people management role. We are looking for an experienced individual who can operate at a senior level, provide trusted subject matter expertise and work closely with both technical and business teams as we continue to build and operate our banking and payments environment.

Responsibilities

Act as a key subject matter expert (SME) for card payments, providing practical expertise across the design, build and on-going operation of our banking environment.
Work closely with the engineering and technology teams to ensure card payment capabilities are designed and implemented correctly, with appropriate consideration given to card scheme rules, operational requirements, controls and compliance.
Provide senior subject matter expertise during incidents and operational issues, helping engineering and operational teams understand the payments impact, diagnose problems and determine the appropriate course of action.
Act as a senior subject matter expert for card payments across the organisation.
Provide specialist payments expertise during incidents, service disruptions and other operational issues, supporting investigation, diagnosis and resolution.
Work closely with engineers and technical teams building the banking and payment environment, translating card payment and scheme requirements into practical technical and operational requirements.
Review proposed solutions and implementations from a card payments perspective and identifying potential operational, scheme or compliance issues.
Ensure card payment capabilities are designed and operated in accordance with applicable card scheme rules, standards and requirements.
Maintain strong knowledge of relevant requirements from schemes such as Visa and Mastercard, including changes to scheme rules and standards.
Provide expertise across the end-to-end card payment lifecycle, including authorisation, clearing and settlement.
Provide specialist knowledge across issuing, acquiring, processing disputes, chargebacks and fraud.
Work with banks, processors, payment service providers, card schemes and other third parties.
Support appropriate operational controls, governance, risk management and regulatory compliance.
Identify and resolve complex card payment issues.
Provide specialist input into payment projects, technical change and new banking products and capabilities.
Advise colleagues and senior stakeholders on card payment matters, risks and requirements.

Requirements

Approximately 15 years experience within banking and or financial services.
Significant hands-on experience specifically within card payments.
Deep knowledge of the end-to-end card payments lifecycle.
Strong working knowledge of major card schemes, particularly Visa and Mastercard, and their associated rules and compliance requirements.
Experience working alongside engineering, technology and architecture teams within banking payments environments.
The ability to translate complex card scheme and payment requirements into language and requirements that technical teams can implement.
Experience acting as a payments SME during incidents and complex operational issues.
Strong understanding of issuing, acquiring, processing, authorisation, clearing, settlement, disputes, chargebacks and fraud.
Experience with EMV configurations, in-life testing, card stock and print management.
Experience operating within regulated financial services environments.
Strong understanding of payments risk, governance, controls and compliance.
The confidence to challenge proposed technical solutions where they may create payment, operational or scheme compliance risks.
Excellent analytical, problem-solving, communication and stakeholder management skills.
An experienced banking and card payments professional who has developed deep, practical expertise over a substantial career.
Wants to remain a senior individual contributor and subject matter expert, rather than move into people management.
Comfortable discussing a complex card payment incident, interpreting scheme requirements, working through problems with engineers, or advising senior stakeholders on the implications of a particular approach.
Depth of experience required to help ensure that our banking and card payments environment remains technically sound, operationally resilient and compliant with applicable card scheme requirements.

Skills

Card payments
Card scheme requirements
Payments
Visa
Mastercard
Authorisation
Clearing
Settlement
Issuing
Acquiring
Processing disputes
Chargebacks
Fraud
EMV configurations
In-life testing
Card stock management
Print management
Payments risk
Governance
Controls
Compliance
Analytical skills
Problem-solving skills
Communication skills
Stakeholder management skills

Location

London
Southampton
Cardiff
Manchester

Work Type

Hybrid Working
Minimum 1 day per week in office

Experience Level

Senior
Approximately 15 years experience

Benefits

33 days holiday (including public holidays)
An extra day’s holiday for your birthday
Option to buy or sell up to five extra days off
16 hours paid volunteering time a year
Salary sacrifice
Company enhanced pension scheme
Life insurance at 4x your salary
Group income protection
Private Medical Insurance with VitalityHealth (including mental health support and cancer care)
Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
Generous family-friendly policies
Refer a friend scheme
Perkbox membership (retail discounts, wellness platform, weekly free and boosted perks)
Cycle to Work scheme
Salary Sacrificed Gym partnerships
Electric Vehicle (EV) leasing

About the Company

Starling is the UK’s first and leading digital bank on a mission to fix banking!
We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way.
We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company.
We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone.
We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.
Our technologists are at the very heart of Starling and enjoy working in a fast-paced environment that is all about building things, creating new stuff, and disruptive technology that keeps us on the cutting edge of fintech.
We operate a flat structure to empower you to make decisions regardless of what your primary responsibilities may be, innovation and collaboration will be at the core of everything you do.
Help is never far away in our open culture, you will find support in your team and from across the business, we are in this together!
The way to thrive and shine within Starling is to be a self-driven individual and be able to take full ownership of everything around you: From building things, designing, discovering, to sharing knowledge with your colleagues and making sure all processes are efficient and productive to deliver the best possible results for our customers.
Our purpose is underpinned by five Starling values: Listen, Keep It Simple, Do The Right Thing, Own It, and Aim For Greatness.
You may be put off applying for a role because you don't tick every box. Forget that! So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.
We’re on a mission to radically reshape banking – and that starts with our brilliant team.
Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.

Equal Opportunity

Starling is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace.
Individuals seeking employment at Starling are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.
When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice.
By submitting your application, you agree that Starling will collect your personal data for recruiting and related purposes.
Our Privacy Notice explains what personal information we will process, where we will process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.