Digital Specialist
Descrizione dell'offerta
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.