Manager, Processing & Scheme Operations
Location: Amman, Jordan
Contract Duration: 12 Months
Experience: 7+ Years
Employment Type: Contract
We are looking for an experienced Manager, Processing & Scheme Operations to lead card payment processing, scheme operations, and complex processor migration initiatives.
The ideal candidate will have strong expertise in end-to-end card transaction processing, issuing and processing ecosystems, scheme compliance, and card portfolio migrations.
Key Responsibilities
1. Processing & Scheme Operations
- Serve as the subject matter expert for end-to-end card transaction processing.
- Advise business, technology, product, operations, and risk teams on scheme rules, mandates, and industry best practices.
- Drive processing optimization and operational excellence.
2. BIN, ICA & Licensing Management
- Manage BINs, ICAs, ARIDs, and associated scheme licensing structures.
- Lead BIN rationalization, migration, consolidation, and decommissioning initiatives.
- Maintain governance and oversight of scheme identifiers and licensing requirements.
3. Processor & Portfolio Migrations
- Lead issuer and processor migration projects from planning through production deployment.
- Manage card portfolio conversions, host migrations, processor transitions, and scheme connectivity projects.
- Develop migration strategies, cutover plans, testing approaches, and risk mitigation frameworks.
- Coordinate with external processors, vendors, and internal stakeholders.
4. Authorization, Clearing & Settlement
- Oversee authorization message flows, transaction routing, and processing performance.
- Analyze approval rates, decline drivers, and transaction processing issues.
- Support clearing, settlement, reconciliation, and exception management activities.
- Work closely with operations and finance teams to resolve transaction and settlement discrepancies.
5. Tokenization & Digital Payments
- Lead tokenization initiatives and Mastercard Digital Enablement Service (MDES) implementations.
- Support digital wallet integrations, including Apple Pay and Google Pay.
- Manage token lifecycle processes and associated integration requirements.
6. Testing, Certification & Compliance
- Coordinate scheme certification, end-to-end testing, UAT, and pilot programs.
- Ensure production readiness for new products, enhancements, and migration initiatives.
- Ensure compliance with applicable scheme requirements and operational standards.
Required Skills & Experience
- Minimum 7 years of experience in card payments, issuing, acquiring, payment processing, or scheme operations.
- Strong expertise in end-to-end payment processing and transaction flows.
- Proven experience managing processor migrations and complex card portfolio transitions.
- Hands-on knowledge of authorization processing, clearing, settlement, and transaction routing.
- Strong understanding of ISO 8583 messaging standards.
- Experience with MDES, tokenization, and digital wallet integrations.
- Knowledge of BIN, ICA, ARID, and scheme licensing structures.
- Understanding of fraud controls, chargebacks, dispute management, and reconciliation.
- Experience working directly with external processing partners and payment schemes.
- Strong stakeholder management, project leadership, and cross-functional collaboration skills.
Education
Bachelor's degree in Computer Science, Information Technology, Engineering, Business, Finance, or a related discipline.
