Description
§ About 15+ years of strong experience in the payments and cards domain
§ Merchant Services
- o Merchant Services, including onboarding process
- o Acquiring Administration
- o Fraud monitoring solution for acquiring
- o Card clearing, settlement and fee platform
- o Back Office administration process, including Dispute handling
- o Terminal Management System, including the integration component
- o Internet payments gateway, Payment Gateway and PSP
- o POS terminal platform - SIM card development
§ Financial and network services
- o Card preparation, issuance, PIN generation and management process eg. Finnish
- o Card & scheme clearing and settlement processes.
- o Card fee, accounting, closing and chargeback process
- o Terminal, scheme and card rules management.
- o SEPA formats and conversion requirements
- o Handling transactions from other networks like Visa and Mastercard
- o Card switching eg. for POS and ATM transactions
- o Switch, acquiring and scheme (Dankort)
- o Tokenisation service to encrypt card details.
- o Host card emulation and mobile wallet
- o Merchant web Front End process
- o Acquiring process
- o Payments process merchant customers eg. Finnish merchant customers
- o POS terminal platform - SIM card process
- o Online ATM processing
- o On-line fraud prevention and near on-line detection
- o Online card switch and scheme
- o PCI rules and regulations.
- o ISO 8583 and ISO 200022 messaging standards
§ Corporate Services
- o Customer onboarding
- o Digital identity process eg. Danish
- o B2B payments eg for stocks and bonds.
- o Payment instruments and relevant processes eg. Credit Transfer
- o Invoicing process eg. eInvoice distribution
- o Direct debit routing and processing
- o Form-based collection service for all types of bills. Eg. Giro
- o Giro submissions. o Payments pre-processing
- o Payment engine o Betalingsservice, Payment service
- o Payment service for small businesses and associations
- o P2P payments on the card infrastructure
- o SWIFT and ISO 200022 messaging standards
- o AML process
- o Clearing process. Eg. Danish clearing requiring 4 settlements a day
- o Distribution services
- o SEPA customers servicing and SEPA Direct Debit requirements.
- o Reconciliation process
§ Hands on knowledge and experience in core payments processing domain, for retail and corporate banking customers
§ Exposure to payments processing and clearing systems from Nordic(Denmark/Norway/Sweden) geographies is highly desirable
§ Experience in Card payments processing (Acquiring/Issuing/Fraud etc) either from an acquiring or issuing standpoint is highly desirable
§ Hands on expertise in at least one leading payments processing product such as Fundtech GPP, FIS Clear2Pay, Dovetail etc. is highly desirable
§ Experience in defining the business problem and architecting business solution in line with appropriate best practice, governance standards and methodologies
§ A good understanding of technical architecture concepts including micro services, SOA, rules engine, caching technologies, DB/SQL, REST/SOAP services, architecture patterns and UML models
§ Strong desire and demonstrable track record for continuous self-learning on business domain, new technologies and concepts
§ Must have exposure to agile ways of working
§ Should possess excellent oral and written communication skills