xpate
11 - 50 employees
Founded 2019
💳 Fintech
🏦 Banking
🔌 API
Fintech • Banking • API
xpate is a payments and e-money platform that provides businesses and fintechs with unified payment and banking-like services. It offers card acquiring, multi-currency accounts with individual IBANs, global card and bank payouts, currency exchange, payment links, and an API and custom hosted payment pages for integration. xpate operates as an FCA-authorised e-money institution and holds licences in the EEA, is a Visa and Mastercard principal member, and targets businesses, regulated industries, and fintechs seeking compliant, API-first payment and banking rails.
Card Scheme Operations Specialist
🔥 17 hours ago
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xpate
11 - 50 employees
Founded 2019
💳 Fintech
🏦 Banking
🔌 API
Fintech • Banking • API
xpate is a payments and e-money platform that provides businesses and fintechs with unified payment and banking-like services. It offers card acquiring, multi-currency accounts with individual IBANs, global card and bank payouts, currency exchange, payment links, and an API and custom hosted payment pages for integration. xpate operates as an FCA-authorised e-money institution and holds licences in the EEA, is a Visa and Mastercard principal member, and targets businesses, regulated industries, and fintechs seeking compliant, API-first payment and banking rails.
📋 Description
• Monitor and interpret Visa and Mastercard bulletins, mandates, rule changes, and operational updates • Assess the impact of scheme changes and coordinate implementation with relevant internal stakeholders • Support scheme integrations and changes, including certifications, testing, and new scheme programs or services • Prepare and submit mandatory reports to Visa and Mastercard, including compliance, PCI DSS, quarterly, and other scheme-related reporting • Coordinate and manage responses to requests, inquiries, and investigations from card schemes • Maintain internal registers, trackers, and operational records • Own and maintain internal knowledge bases and documentation, including Confluence pages and process documentation • Support internal teams with scheme-related guidance and best practices • Collaborate with Product, Operations, Compliance, Finance, Risk, and Engineering teams to ensure alignment with scheme requirements • Contribute to process improvements and operational efficiency initiatives within the card business
🎯 Requirements
• 1+ years of hands-on experience working directly with Visa and/or Mastercard schemes (at an acquirer, issuer, processor, PSP, or the schemes themselves) • Practical knowledge of scheme rules and operating regulations, and experience applying them in day-to-day work • Experience with scheme procedures, such as mandate implementation, scheme reporting, compliance programs, and handling scheme inquiries or investigations • Experience with Visa Online, Mastercard Connect, or other scheme portals and tools • Experience with scheme integrations, such as certifications, testing, onboarding to new scheme services, or implementing technical and operational scheme changes • Strong analytical and problem-solving skills, with the ability to investigate and interpret complex operational matters • Excellent attention to detail and organizational skills • Strong written and verbal communication skills in English • Ability to manage multiple priorities and work independently in a fast-paced environment • Knowledge of PCI DSS and scheme compliance programs (e.g. fraud and chargeback monitoring) preferred • Background in a fintech, payments, or regulated financial services environment preferred
🏖️ Benefits
• Competitive compensation and an attractive employee benefits package • Health insurance to support your well-being • Educational bonus to support your professional development and continuous learning • Flexible working environment built on trust and accountability
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