Card and Payments Operations Manager

EML; Overland Park (KS); On-site; USD 95,000 - 135,000; Full time

Benefits offered by this job

PTO - 20 days + 5 flex

Birthday leave

Parental leave

Medical coverage with Meritain

HSA access

Dental & vision insurance

Disability insurance

Life insurance

Professional memberships

Job summary

EML Payments in Overland Park, KS is seeking a Payment Operations Manager to own day-to-day Visa/Mastercard operations and drive governance across the payments ecosystem. You’ll ensure scheme compliance, manage BIN configurations, and lead cross-functional teams through launches and BAU handovers.

The role requires deep knowledge of prepaid/debit flows, strong vendor management, and a calm, problem-solving mindset to handle complex regulatory environments globally.

Qualifications

• Strong knowledge of prepaid and debit products and their funding/transaction flows.
• Solid understanding of card network operations: BIN management, programme requirements, transaction routing.
• Proven vendor or relationship management experience with negotiation skills.
• Operational project management with focus on execution and continuous improvement.
• Ability to lead cross-functional delivery without direct authority.
• Clear, confident communication with partners, stakeholders and internal teams.
• Calm, practical, solutions-focused approach with ability to handle multiple priorities under tight deadlines.
• Experience in global payments environments across regulatory contexts.

Responsibilities

• Own day-to-day operations, reporting and requirements for Visa and Mastercard, acting as escalation point and SME.
• Ensure compliance with scheme rules and operational standards; manage change programmes.
• Support BIN setup, programme configuration and lifecycle management.
• Track scheme performance and operational risk; build KPIs for leadership visibility.
• Lead operational readiness for programme launches, migrations, and go-live handovers.
• Manage escalations and incidents with card schemes and payment partners through resolution.
• Support partner governance, including service reviews, SLA reporting and action tracking.
• Define and document payment processes aligned with scheme/regulatory standards; oversee audits.

Job description

EML Payments is a global payments company, headquartered in Brisbane, Australia, and listed on the Australian Securities Exchange. We build secure, instant payment solutions that connect our clients to their customers, wherever money is in motion. Our products include banking, credit and disbursement services, earned wage access, gifts, incentives and rewards, and FX solutions. We operate in more than 25 countries, we combine the energy of a start-up with deep leadership experience

About the role

As Payment Operations Manager, you'll own operational activity across Visa, Mastercard and our wider payments ecosystem. You'll be the go‑to expert for card scheme matters, whether that’s implementing a new settlement currency, managing a BIN split or getting to the bottom of a tricky issue. It’s a hands‑on role that blends day‑to‑day problem solving with partner governance and operational change. If you enjoy complex challenges, global partnerships and being at the centre of the action, we’d love to hear from you.

What you will do

• Own day‑to‑day operations, reporting and requirements for Visa and Mastercard, acting as the escalation point and subject matter expert
• Ensure compliance with scheme rules, operational standards and mandatory change programmes
• Support BIN setup, programme configuration and lifecycle management
• Track scheme performance and operational risk, building KPIs that give leadership clear visibility
• Lead operational readiness for programme launches, network integrations and migrations, coordinating Technology, Product, Compliance and external partners through to go‑live and BAU handover
• Manage escalations and incidents with card schemes and payment partners through to resolution
• Support partner governance, including service reviews, SLA reporting and action tracking
• Define and document payment processes aligned with scheme and regulatory standards, and oversee audits and assurance documentation
• Contribute to scheme and regulator-driven projects
• Coach and develop junior colleagues, building capability across the team

What you will bring

• Strong knowledge of prepaid and debit products, including funding and transaction flows
• Solid understanding of card network operations: BIN management, programme requirements, transaction routing and more
• Proven vendor or relationship management experience, with the confidence to negotiate outcomes that serve the business
• Operational project management skills with a focus on execution and continuous improvement
• The ability to lead cross‑functional delivery without direct authority
• Clear, confident communication with partners, stakeholders and internal teams
• A calm, practical, solutions‑focused approach and the ability to juggle multiple priorities to tight deadlines
• Experience working in a global payments environment across different regulatory contexts
• Familiarity with acquirers, processors and non‑card payment partners is a bonus

What we offer

• 20 days' paid time off a year, plus 5 additional flex‑time days once qualifying PTO has been used
• Paid birthday leave and 2 paid volunteering days a year
• Enhanced paid parental leave: 12 weeks for primary carers and 4 weeks for secondary carers
• Medical and prescription cover through Meritain, with EML paying 90% of the premium, including $0 preventive care and telemedicine
• Access to a Health Savings Account (HSA) through UMB
• Dental and vision cover through Guardian, with EML paying around 75% of the premium
• Employer‑paid short‑term disability (60% of salary) and long‑term disability (60% of salary), with the long‑term disability premium reimbursed by EML
• Employer‑paid basic life and AD&D insurance ($30,000), with voluntary cover available for you and your family
• Support with one relevant professional membership a year

About EML

EML Payments is a global leader in the fintech space. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities.

As an issuer and processor, we provide our clients and partners with innovative alternatives to traditional banking solutions for reloadable and non‑reloadable programs.

Our commitment to Equal Employment Opportunity

Integrated into our Core Values is EML's commitment to diversity, equity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and empowered to reach their full potential. We are agile, we are innovative. We take a partnership approach; we tailor solutions and place a strong focus on operational excellence. Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential.

Disclaimer

Offers are conditional on satisfactory pre‑employment background screening, which may include a criminal record check. Any disclosures are assessed fairly and in line with local law.