Payment Cards & Digital Wallet Specialist

This is a remote position.

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)