Product Owner - Cards

Synechron; Sydney; On-site; AUD 120,000 - 160,000; Full time

Job summary

Synechron seeks a payments-focused technologist to analyse end-to-end card and payment transaction flows, including Visa and Mastercard processing, and to work on fraud detection and remediation platforms.

You will examine ISO 8583 data elements, tokenisation, digital wallets, 3DS workflows, and API integrations, collaborating with cross-functional teams to deliver robust digital payment solutions.

Qualifications

• Experience with card processing and payment platforms.
• Understanding of fraud detection and decisioning systems.
• Familiarity with ISO 8583 payment messages and mappings.
• Knowledge of card tokenisation, digital wallets and 3DS workflows.
• Ability to define API integrations and data mapping between systems.

Responsibilities

• Analyse end-to-end card and payment transaction flows including Visa/Mastercard processing.
• Support fraud detection, tokenisation, and remediation processes.
• Design and troubleshoot data mappings, API payloads and event-driven interfaces.
• Investigate and resolve production issues across distributed applications.

Job description

At Synechron, we believe in the power of digital to transform businesses for the better. Our global consulting firm combines creativity and innovative technology to deliver industry-leading digital solutions. Synechron’s progressive technologies and optimization strategies span end-to-end Artificial Intelligence, Consulting, Digital, Cloud & DevOps, Data, and Software Engineering, servicing an array of noteworthy financial services and technology firms. Through research and development initiatives in our Synechron Labs we develop solutions for modernization, from Artificial Intelligence and Blockchain to Data Science models, Digital Underwriting, mobile-first applications and more. Over the last 20+ years, our company has been honored with multiple employer awards, recognizing our commitment to our talented teams. With top clients to boast about, Synechron has a global workforce of 14,000+, and has 55 offices in 20 countries within key global markets. For more information on the company, please visit our website:www.synechron.com

Key Responsibilities

• Analyse and support end-to-end card and payment transaction flows, including Visa and Mastercard processing.
• Work with fraud detection and decisioning platforms, card-processing applications, and downstream customer communication systems.
• Analyse payment message attributes and transaction data, including ISO 8583 data elements, to support solution design, mapping, and troubleshooting.
• Support card lifecycle and fraud-remediation capabilities such as card blocking/unblocking, card replacement, reset status, token suspension/unsuspension/deletion and automated remediation.
• Work with card tokenisation, digital wallets, 3DS/CAVV, virtual cards and network token processing.
• Analyse and define API integrations, request/response payloads, event-driven interfaces, and data mappings between applications.
• Investigate application and transaction behaviour using Oracle SQL, logs, dashboards, and observability tools.
• Perform production troubleshooting and root-cause analysis across distributed applications and identify requirement, configuration, integration or implementation issues.
• Develop and validate source-to-target mappings between upstream transaction systems, fraud platforms, and downstream applications.
• Translate complex business requirements into clear technical requirements, solution flows, interface specifications, and implementation approaches.
• Work closely with product, engineering, architecture, fraud, cards, digital and other technology teams to deliver cross-platform solutions.
• Support production releases, technical validation, post-implementation monitoring and remediation of production issues.
• Identify opportunities for automation, Generative AI, NLP and intelligent data-mapping capabilities to improve engineering and operational processes.
• Produce clear technical documentation and communicate complex technical concepts effectively to both technical and non-technical stakeholders.

Technical & Domain Skills

• Cards and payment processing
• Visa and Mastercard transaction flows
• Fraud detection and decisioning platforms
• ISO 8583 / payment message analysis
• Card tokenization and digital wallets
• Card lifecycle and fraud-remediation processes