Senior SME - Card Issuing

Posted 8 Days Ago
Be an Early Applicant
6 Locations
In-Office or Remote
Senior level
Fintech
The Role
Lead card-scheme integrations and certifications for Visa and Mastercard. Define test cases, validate EMV scripts, tokenization, and chip profiles. Collaborate with architects, product, scheme partners, and customers to translate scheme rules into technical requirements, mentor teams, and improve certification processes and tooling.
Summary Generated by Built In

About The Role:

  • Join Enfuce at a pivotal moment as we build and scale our next-generation card processing platform. As a Senior Subject Matter Expert in Card Issuing, you will define and lead new card scheme integrations, work directly on certification artifacts, test cases and scheme (Visa, Mastercard) validation flows.

  • This is a hands-on, highly influential role where deep card-issuing expertise meets platform leadership. You will work closely with architecture, product, and scheme partners to drive certifications, define standards, and ensure Enfuce’s processing capabilities are robust, compliant, and future-proof.

What You'll Be Doing:

  • Utilize extensive experience in card issuing, chip profiles, EMV scripts, tokenization, and compliance across scheme ecosystems.

  • Execute test cases and own the end-to-end certification and integration with card schemes (Visa, Mastercard), acting as the primary SME authority across internal teams and scheme counterparts, deeply analysing and resolving issues during certification and production.

  • Lead process flows definition with software architects.

  • Partner with scheme representatives and internal stakeholders to turn complex scheme rules into clear guidance that supports business needs, technical simplicity, and product decisions.

  • Actively share domain knowledge with team members through delegation, mentoring, and documentation.

  • Assist in migration topics and integration options with Visa/Mastercard.

  • Serve as point of contact for the customer to support defining workflows and gathering requirements based on their business needs

  • Identify opportunities for process and tool improvements, challenging leadership decisions when necessary.

  • Advocate for the use of available tools from Mastercard and educate stakeholders on their benefits.

What You'll Bring:

  • Proactive leadership and initiative-taking, demonstrated through examples such as test API and tokenization projects (MDES and/or VTS).

  • Strong requirement elicitation skills, capable of questioning and clarifying requirements to ensure alignment with business needs.

  • Extensive technical knowledge of payment schemes, EMV frameworks, and modern card-processing architectures.

  • Proficiency in working with Visa and Mastercard scheme manuals, tools and simulators to complete tests.

  • Experience using log analytics tools for monitoring and troubleshooting.

  • Strong research skills and industry knowledge, staying updated through Mastercard and Visa seminars and training sessions.

  • Ability to advise engineering and operation teams on issues and solutions.

  • Ability to work with AWS tools and dive into engineering code base is a plus.

Why You’ll Love Working At Enfuce:

  • High autonomy & ownership: We give you the freedom to own your work and trust you to make the best decisions for your projects.

  • Top-tier talent: Join a team of industry experts and highly skilled professionals who are as passionate as you are about innovation.

  • Unlimited growth potential: We support your ambition with plenty of room for personal and professional growth within the company.

  • Flexible, remote work: Work from anywhere up to 30 days, in an environment that values flexibility and work-life balance.

  • A supportive culture: You’ll be part of a team that encourages, motivates, and celebrates success together.

Comprehensive benefits package: We take care of our people with great benefits to match the value you bring.
Benefits & Perks
Fair pay and employee stock option:

  • We value the input of every employee and want you to tap into the growth we build together. That’s why our salaries are competitive and reassessed regularly, and you have access to an employee stock option program.

Flexible Paid Time Off:

  • We offer a flexible paid time off policy, providing up to 5 weeks of annual vacation days and paid family leave (subject to country regulations). Additionally, you can benefit from hybrid or remote work options, promoting a healthy work-life balance.

Regular Fun With Your Team:

  • To spend other than work-related time with your teammates, you get a team activity budget for three quarters a year. The fourth quarter is reserved for a company-wide event.

Skills Required

  • Extensive experience in card issuing, chip profiles, EMV scripts, tokenization, and scheme compliance
  • Proven experience executing test cases and owning end-to-end certification and integration with Visa and Mastercard
  • Proficiency with Visa and Mastercard scheme manuals, tools, and simulators to complete tests
  • Experience with tokenization projects (MDES and/or VTS) and token lifecycle
  • Experience analyzing and resolving certification and production issues, including use of log analytics tools
  • Strong requirement elicitation, stakeholder communication, and ability to translate scheme rules into technical guidance
  • Ability to advise engineering and operations teams, work with software architects, and define process flows
  • Experience mentoring, documenting domain knowledge, and delegating technical tasks
  • Familiarity with migration and integration options for Visa and Mastercard schemes
  • Ability to work with AWS tools and dive into the engineering codebase
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The Company
HQ: Espoo
150 Employees
Year Founded: 2016

What We Do

Enfuce is the strategic partner for innovative, modern and globally scalable payment card programmes. We were born in the Nordics but are built for the world. Alongside our customers, we create payment solutions that drive transformative business growth and deliver exceptional customer engagement on our industry leading, modular, cloud based platform. With vast payments experience, tried and tested tech, and a blazing entrepreneurial spark, Enfuce helps co-create practical, secure and scalable solutions that help you innovate and differentiate. Holding both an EMI license (Electronic Money Institution), from the Finnish Financial Supervisory Authority, and Financial Conduct Authority in the UK, Enfuce enables operations across geographies to unlock a world of possibility. Everything we do is underpinned by first-class technical expertise, security and compliance, giving our customers confidence that change will be calm and controlled. Integrity is part of our Nordic DNA. It means we’re transparent, straight-talking and we go the extra mile to deliver the best outcome - always. What’s better than that? Our impact also extends beyond the world of payments. Enfuce is a force for good, actively working to create a more equitable and sustainable future via its internal and external initiatives focusing on sustainability and social inclusion to create a more prosperous world for all.

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