Cards SME - ApTask

About Client:
The client provides information technology (IT) services, including business outsourcing, infrastructure technology, and application services. The application service offered by the company includes application development, maintenance, and support. The markets served by the company are financial services and insurance, healthcare, manufacturing, government, transportation, communications, and consumer and retail industries.



Rate Range: $70-$75/Hr



Job Description:

• We are seeking a highly skilled Cards Product Owner with expertise in credit card systems and practical experience in implementing Banking Industry Architecture Network (BIAN) standards.
• The ideal candidate will have a deep understanding of credit card operations, including issuance, processing, and settlement, and will play a crucial role in designing and optimizing card-based solutions.

• Provide expert knowledge in credit card systems, including credit, debit, prepaid cards, Onboarding, Account opening, Authorization, A/R receivables processing, A/C Payables, Collections
• Offer insights into industry trends, regulatory requirements (e.g., PCI DSS, EMV standards), and emerging technologies (e.g., contactless payments, digital wallets).

• Lead the implementation of BIAN standards within credit card systems.
• Ensure alignment of card product development and integration with BIAN frameworks.

• Collaborate with Product, Engineering, and IT teams to design and develop innovative card solutions.
• Advise on card product configurations, features, and integration with existing banking/payment systems.

• Enhance card issuance, processing, dispute resolution, authorization, and settlement processes.
• Identify and implement improvements in card transaction workflows and suggest automation solutions.

• Ensure card products comply with local and international regulations (e.g., PCI compliance, fraud detection, KYC, AML).
• Conduct regular risk assessments and audits to mitigate fraud, security breaches, and data compromise.

• Provide training and mentorship to internal teams on card-related processes and best practices.
• Serve as an escalation point for complex card-related issues, including chargebacks, fraud detection, and technical challenges.

• Liaise with external partners, vendors, and payment networks (Visa, Client, etc.) to ensure seamless product integration and compliance.
• Report on card program performance and improvements to leadership.

• At least 7 years of experience in the card’s domain (credit, debit, prepaid) within financial services or fintech.
• Proven track record in card product development, transaction processing, and operational management.
• Practical experience in implementing BIAN standards.

• Strong understanding of card processing systems, including authorization, clearing, and settlement.
• Familiarity with ISO 8583 messaging, EMV standards, and PCI DSS compliance.
• Knowledge of fraud detection techniques, dispute resolution, and regulatory compliance.
• Proficiency in payment gateway integration, acquiring/issuing processes, and reconciliation.
• In-depth understanding of BIAN standards and their application in card product development and integration.

• Excellent verbal and written communication skills.
• Ability to convey complex technical concepts to non-technical stakeholders.

• Experience with emerging payment technologies such as mobile payments, tokenization, and blockchain.
• Previous involvement in digital transformation projects in the financial industry.
• Understanding of global card schemes and regional payment networks.

• Analytical thinking and problem-solving.
• Strong attention to detail and commitment to quality.
• Ability to manage multiple priorities and deadlines.
• Strategic and innovative mindset.
• Leading working sessions with a mix of business, product, and technology teams.

About ApTask:
ApTask is a leading global provider of workforce solutions and talent acquisition services, dedicated to shaping the future of work. As an African American-owned and Veteran-certified company, ApTask offers a comprehensive suite of services, including staffing and recruitment solutions, managed services, IT consulting, and project management. With a focus on excellence, collaboration, and innovation, ApTask provides unparalleled opportunities for professional growth and development. As a member of the ApTask team, you will have the chance to connect businesses with top-tier professionals, optimize workforce performance, and drive success across diverse industries. Join us at ApTask and be part of our mission to empower organizations to thrive while fostering a diverse and inclusive work environment.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.

Candidate Data Collection Disclaimer:
At ApTask, we prioritize safeguarding your privacy. As part of our recruitment process, certain Personally Identifiable Information (PII) may be requested by our clients for verification and application purposes. Rest assured, we strictly adhere to confidentiality standards and comply with all relevant data protection laws. Please note that we only collect the necessary information as specified by each client and do not request sensitive details during the initial stages of recruitment.

If you have any concerns or queries about your personal information, please feel free to contact our compliance team at businessexcellence@aptask.com