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)







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