Senior Card Payments Specialist
18 hours ago
London
DescriptionStarling 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.Hybrid WorkingWe have a Hybrid approach to working here at Starling - our preference is that you're located within a commutable distance of one of our offices so that we're able to interact and collaborate in person. In Technology, we're asking that you attend the office a minimum of 1 day per week.About the RoleWe 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 requirementsThis 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.What you'll get to doAs a Senior Card Payments Specialist, you will 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.A key part of the role will be working 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.You will also 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.Acting as a senior subject matter expert for card payments across the organisationProviding specialist payments expertise during incidents service disruptions and other operational issues, supporting investigation, diagnosis and resolutionWorking closely with engineers and technical teams building the banking and payment environment, translating card payment and scheme requirements into practical technical and operational requirementsReviewing proposed solutions and implementations from a card payments perspective and identifying potential operationals, scheme or compliance issuesEnsuring card payment capabilities are designed and operated in accordance with applicable card scheme rules, standards and requirements.Maintaining strong knowledge of relevant requirements from schemes success as Visa and Mastercard, including changes to scheme rules and standardsProviding expertise across the end to end card payment lifecycle, including authorisation, clearing and settlementProviding specialist knowledge across issuing, acquiring, processing disputes, chargebacks and fraudWorking with banks, processors, payment service providers, card schemes and other third partiesSupporting appropriate operational controls, governance, risk management and regulatory complianceIdentifying and resolving complex card payment issuesProviding specialist input into payment projects, technical change and new banking products and capabilitiesAdvising colleagues and senior stakeholders on card payment matters, risks and requirementsRequirementsWe are looking for someone who can demonstrate:Approximately 15 years experience within banking and or financial servicesSignificant hands on experience specifically within card paymentsDeep knowledge of the end to end card payments lifecycleStrong working knowledge of major card schemes, particularly Visa and Mastercard, and their associated rules and compliance requirementsExperience working alongside engineering, technology and architecture teams within banking payments environmentsThe ability to translate complex card scheme and payment requirements into language and requirements that technical teams can implementExperience acting as a payments SME during incidents and complex operational issuesStrong understanding of issue, acquiring, processing, authorisation, clearing, settlement, disputes, chargebacks and fraudExperience with EMV configurations, in-life testing, card stock and print managementExperience operating within regulated financial services environmentsStrong understanding of payments risk, governance, controls and complianceThe confident to challenge proposed technical solutions where they may create payment, operational or scheme compliance risksExcellent analytical, problem solving, communication and stakeholder management skillsThe Person we are looking for:You will be an experienced banking and card payments professional who has developed deep, practical expertise over a substantial career.The role is also suited to someone who wants to remain a senior individual contributor and subject matter expert, rather than move into people management.You will be equally 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.Most importantly, you will bring the depth of experience required to help ensure that our banking and card payments environment remains technically sound, operationally resilient and compliance with applicable card s heme requirementsInterview ProcessInterviewing is a two way process and we want you to have the time and opportunity to get to know us, as much as we are getting to know you! Our interviews are conversational and we want to get the best from you, so come with questions and be curious. In general you can expect the below, following a chat with one of our Talent Team:First stage with the two members of the Payments/Cards team ~ 45 minutesSecond stage with additional members of the Payments/Cards team, including a Director ~ 1 hourFinal stage, including meeting Head of IT Risk & Controls ~ 45 minutesBenefits33 days holiday (including public holidays, which you can take when it works best for you)An extra day’s holiday for your birthdayAnnual leave is increased with length of service, and you can choose to buy or sell up to five extra days off16 hours paid volunteering time a yearSalary sacrifice, company enhanced pension schemeLife insurance at 4x your salary & group income protectionPrivate Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and PelotonGenerous family-friendly policiesIncentives refer a friend schemePerkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perksAccess to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasingAbout usYou 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.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.Job SummaryID: E599713230Department: Technology, Technology Risk & ControlsType: full time