Senior Card Schemes Specialist: Visa/Mastercard Ops & Payments

EML Payments is a global leader in the fintech space. Headquarters is in Brisbane Australia, offices are located around the world including USA and Europe. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities. About the role The Senior Card Schemes Specialist takes ownership of operational activities across card schemes (Visa, Mastercard) and the wider payments ecosystem, including issuing banks, processors, acquirers, ACH, FedNow, and external service providers. This is a hands‑on senior specialist role combining day‑to‑day operational delivery with ownership of technical and operational change. Acting as a subject matter expert for card schemes, you will ensure payments are reliable, well‑controlled, and compliant, while continuously improving how we operate as we scale. You will be a go‑to escalation point for scheme‑related queries and challenges — from BIN setup and scheme rule interpretation to incident investigation and delivery of mandatory scheme changes — seeing complex issues through to resolution with focus and pace. What you'll do Oversee regular operational activities, reporting, and requirements for payment schemes (Visa/Mastercard), providing escalation support and SME guidance. Ensure adherence to scheme rules, operational standards, and mandatory changeprograms. Support BIN setup,programconfiguration, and lifecycle management. Monitor scheme performance and operational risks, developing and reporting KPIs for leadership visibility and continuous improvement. Lead operational deliverables and readiness forprogramlaunches, network integrations, migrations, and technical change, coordinating Technology, Product,Complianceand external providers to ensure smooth go-live and BAU handover. Manage operational escalations with card schemes and payment partners, coordinating incident resolution and ensuring follow-ups are completed. Support operational delivery across the broaderpaymentsecosystem (acquiringpartners, processors, and service providers), ensuring reliable performance andtimelyissue resolution. Support partner governance (MBRs/service reviews) by providing performance/SLA inputs, capturing actions/decisions, and tracking follow-ups to closure. Mentor and develop junior colleagues through coaching, structured knowledge-sharingand review of key deliverables, building capability and consistency across the team. Define, document, and implement operational payment processes aligned with scheme rules and regulatory standards. Oversee assurance documentation and audits, ensuring compliance with regulatory standards and scheme requirements. Contribute to payment-related projects, includingregulator-driven or scheme-driven initiatives. Qualifications Knowledgeof and skills in: Prepaidanddebitproducts,and theassociatedfunding and transactionflows Operational project management with a focus on execution and process improvement Strong understanding of card network operations, including BIN management and implementations, prepaid/debit card program requirements, transaction routing and more Familiarity with acquirers, processors, and non‑card payment partners would beadvantageous Ability to: Negotiate with partners and vendors, driving operational and strategic outcomes that align with business objectives Manage complex relationships across issuers, acquirers, cardnetworksand service providers Ensure program compliance with network rules, reducing risk and improving performance Deliver to tight timelines while managing multiple priorities Communicate clearly with partners,stakeholdersand internal teams Work independently and stay hands-on in execution Lead cross-functional delivery without direct authority, driving partner outcomes Apply a practical, solutions-focused approach to operational issues Operate effectively in a globalpaymentsenvironment across varied regulatory and operational contexts What We Offer: Health Insurance Dental and Vision insurance Employer-paid Life and Disability insurance

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