Payments Technical Product Owner

Garanti BBVA International; Amsterdam; On-site; EUR 90,000 - 130,000; Full time

Job summary

Garanti BBVA International seeks an experienced Payments Technical Product Owner to own the functional and technical definition of payment capabilities for individuals and SMEs within the Retail Banking Modernization Program.

You will translate customer, business, regulatory needs into a clear product roadmap, define end-to-end payment journeys, and work with business, technology, operations, compliance and risk teams to ensure successful delivery and launch.

Qualifications

• Translate customer, business, operational and regulatory needs into a clear product roadmap and backlog.
• Define end-to-end payment journeys and requirements for multiple payment methods.
• Collaborate with business, technology, operations, compliance, risk and implementation partners.

Responsibilities

• Deliver the payments product vision, roadmap and prioritized backlog for initiatives including SEPA transfers, instant payments, direct debits and Open Banking.
• Define end-to-end customer journeys for payment types and ensure alignment with European schemes and market practices.
• Coordinate across Mobile, Digital Channels, Core Banking, Fraud, Security and Operations with external providers and partners.
• Own business acceptance criteria and support testing, go-live readiness and operational support.

Skills

Technical Product Owner

Roadmap management

Payments domain knowledge

Stakeholder collaboration

Job description

Garanti BBVA International (GBI) is seeking an experienced Payments Technical Product Owner in its Technology organization to support its Retail Banking Modernization Program. The role will own the functional and technical definition of payment capabilities for natural persons and SMEs, covering SEPA Credit Transfers, SEPA Instant Payments, Direct Debits, WERO/iDEAL, Apple Pay, Google Pay and PSD2/Open Banking services.

The successful candidate will translate customer, business, operational and regulatory needs into a clear product roadmap and prioritized backlog, define end-to-end payment journeys and requirements, and work closely with business, technology, operations, compliance, risk and implementation partners to ensure successful delivery and launch.

This is a role where you can grow professionally, contribute to the future of banking and become part of our innovative and forward-thinking team!

Your role:

• Key Responsibilities: Technical Product Ownership and Roadmap Management: Deliver the payments product vision, roadmap and prioritized backlog, balancing customer value, regulatory obligations, operational needs, dependencies and programme milestones. Translate business and regulatory requirements into epics, features, user stories and acceptance criteria and accept delivered functionality on behalf of the business.
• Payment Journeys and SEPA Payments: Define end-to-end customer and operational journeys for SEPA Credit Transfers, SEPA Instant Payments and Direct Debits, including initiation, authorization, execution, payment statuses, limits, beneficiary management, notifications, returns, recalls, cancellations, reversals and exception scenarios. Ensure alignment with applicable European payment schemes and market practices.
• WERO/iDEAL and Open Banking: Deliver the business requirements and customer journeys for WERO/iDEAL and PSD2/Open Banking capabilities, including payment initiation, account information services, third-party provider access, Strong Customer Authentication, consent-related journeys and customer communications.
• Apple Pay & Google Pay: Deliver product requirements and customer journeys for Apple Pay and Google Pay, including wallet enrolment, card provisioning, eligibility, tokenization, authentication and card/token lifecycle management. Coordinate requirements across mobile banking, card processing, payment providers, fraud/security platforms and operational teams and support certification and launch readiness.
• Cross-Workstream and Vendor Coordination: Coordinate end-to-end requirements across Mobile and Digital Channels, Orchestration & Integration, Core Banking, Fraud/AML/Sanctions, Data & Reporting, Security and Operations. Work with payment providers, card processors, implementation partners, Garanti BBVA Technology and other third parties to ensure aligned and timely delivery.
• Fraud, Sanctions and Payment Controls: Define payment-related business requirements for fraud prevention, sanctions screening, transaction monitoring, authentication, payment limits and digital wallet security controls in collaboration with Compliance, Risk, Fraud, AML and Security teams.
• Payment Operations, Reconciliation and Exceptions: Work with Payment Operations to define processes for failed or rejected payments, investigations, returns, recalls, cancellations, reversals, reconciliation breaks and customer inquiries. Ensure payment statuses and financial movements are traceable across channels, payment providers and core banking systems.
• Testing and Business Acceptance: Own business acceptance criteria and coordinate business participation in end-to-end payment testing, covering positive, negative, exception, reconciliation, fraud, sanctions and digital wallet scenarios. Support defect prioritization and ensure critical journeys are validated before production release.
• Go-Live and Operational Readiness: Support release planning, cutover, operational readiness and hypercare. Confirm business readiness for launch and ensure material risks, exceptions, workarounds and operational procedures are understood and addressed.
• Governance and Regulatory Compliance: Ensure payment requirements and product decisions remain aligned with applicable regulations and scheme requirements, including PSD2/PSD3/PSR, Strong Customer Authentication, SEPA and Instant Payments requirements, DORA, AML/sanctions obligations, card scheme rules and digital wallet security requirements.

Who are we looking for?

You are open-minded, naturally curious, and genuinely passionate about learning and making a positive impact. You enjoy taking ownership, embrace new challenges, and can balance multiple priorities while remaining calm under pressure.

You think proactively and are always one step ahead, looking for opportunities to improve the way things are done. Rather than focusing on problems, you look for solutions and enjoy working together with both colleagues and stakeholders to achieve shared goals.

You are empathetic, approachable, and customer-focused. You take the time to understand different perspectives, listen actively, and build strong relationships based on trust and respect. You believe that the best outcomes are achieved through collaboration and by putting the customer at the heart of every decision.

You are not afraid to question the status quo. You naturally think outside the box, ask "how" and "