Job Description

As a Card Scheme Operations Specialist, you will be the key liaison between xpate and the card schemes, supporting operational, compliance and reporting activities across our card business. You will monitor scheme requirements, coordinate responses to network requests, maintain critical internal documentation and make sure the organization stays informed and compliant with evolving Visa and Mastercard rules.

Your role at xpate

• 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, keeping information accurate and up to date.
• 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.

We’re ready to meet you, if…

• 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.
• The ability to manage multiple priorities and work independently in a fast-paced environment.

Nice to have

• Knowledge of PCI DSS and scheme compliance programs (e.g. fraud and chargeback monitoring).
• Background in a fintech, payments, or regulated financial services environment.

What working at xpate looks like

• A dynamic, ambitious environment where the banking network is yours to grow, with short decision paths and real ownership.
• 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.

Why join xpate?

We're building the financial backbone of the future, where payments move freely and businesses grow without barriers. If you want real impact, freedom to innovate, and work that drives change, xpate is the place for you.