Card Manager

Talent Candey; Somerset West; Vor Ort; ZAR 1.000.000 - 1.800.000; Vollzeit

Zusammenfassung

Talent Candey, on behalf of its Banking Client in Somerset West, seeks a Card Manager to own end-to-end Mastercard debit programme operations, from issuance to fraud management and compliance reporting.

The role requires hands-on Mastercard issuer experience, strong risk management, and a track record of automating compliance-heavy processes. You will work in a startup/set-up environment, shaping processes from scratch and coordinating with Paymentology and partner entities.

Qualifikationen

• Minimum 5 years' Mastercard issuer experience.
• Bachelor’s Degree or Advanced Diploma in Payments, Financial Services, Commerce, Business Management, Finance, IS, Risk Management or related field.
• Hands-on experience with Mastercard Rules, Security Rules and Procedures, and operational compliance programmes (Fraud and Loss Database, ADC/Cyber Secure, Data Integrity, IMP, QMAP).
• Experience managing chargebacks, authorisation strategy and fraud detection tooling in a card-issuing context.
• Familiarity with Card Management Systems (e.g. Paymentology) and working with card manufacturing and personalisation partners.
• Track record of automation or process efficiency in compliance-heavy, manual environments.
• Experience with Mastercard Decision Intelligence or comparable real-time fraud scoring/decisioning tools.
• Comfortable in a startup/build environment, establishing processes from scratch.

Aufgaben

• Own Mastercard Scheme Compliance & Standards: maintain rules, security procedures, and related manuals.
• Maintain Mastercard Connect access, MCM registrations, and Security/Safety Net contacts across ICA numbers.
• Ensure timely compliance with Data Integrity Monitoring and Issuer Monitoring Programs.
• Track Mastercard announcements and implement required changes.
• Manage registration and validation of Service Providers with Mastercard, including attestations.
• Own end-to-end card lifecycle operations: embossing/encoding, PIN generation, activation, reissuance.
• Define and maintain issuer authorisation strategy in line with Mastercard requirements and risk appetite.
• Oversee CVC/CVV verification, EMV 3DS/Identity Check with CMS and ACS provider.
• Manage 2-series BIN readiness and certification; plan card stock and secure distribution.
• Own Fraud & Risk Management relationships with Mastercard tools; implement real-time decision scoring into authorisation.
• Monitor fraud KPIs and tune rules; manage customer notification strategy after alerts.
• Own ADC response process and Mastercard notification requirements.
• Own chargeback processes and reporting; improve procedures for scale.
• Identify automation opportunities and design workflows; partner with Tech/Data teams.
• Leverage Mastercard digital tooling when appropriate to replace manual effort.
• Establish scalable operational processes from day one.

Kenntnisse

Mastercard issuer experience

Fraud detection tooling

Chargebacks management

Authorisation strategy

Automation / process improvement

Card Management Systems

Risk management

Stakeholder management

Ausbildung

Bachelor’s degree or Advanced Diploma in Payments/Finance/IS

Tools

Paymentology CMS

Fraud & Loss Database

ADC/Cyber Secure

Jobbeschreibung

Our Banking Client is currently looking for a Card Manager based in Somerset West, CT.

Role Purpose

The Card Manager owns the end-to-end operational management of the bank’s Mastercard debit programme, ensuring full compliance with Mastercard scheme rules, standards and mandates across the card lifecycle, from issuance and authorisation through to fraud management, chargebacks and compliance reporting. This is a build-and-run role. The successful candidate brings existing Mastercard issuer experience so the bank doesn't have to learn the scheme's operational and compliance nuances from a standing start, while also designing the processes and controls that will run the programme sustainably as it scales. A core part of the role is identifying the manual, repetitive compliance and operational tasks inherent to running a Mastercard programme, and automating them so the function scales without a proportional increase in headcount.

Requirements

• Minimum 5 years' experience in a Mastercard debit or credit card issuer environment, ideally covering both build and run phases
• Bachelor's Degree or Advanced Diploma (NQF Level 7) in Payments, Financial Services, Commerce, Business Management, Finance, Information Systems, Risk Management or a related field.
• Demonstrated hands-on experience with Mastercard Rules, Security Rules and Procedures, and operational compliance programmes (Fraud and Loss Database, ADC/Cyber Secure, Data Integrity, IMP, QMAP)
• Practical experience managing chargebacks, authorisation strategy and fraud detection tooling in a card-issuing context
• Familiarity with Card Management Systems (e.g. Paymentology or similar) and working with card manufacturing and personalisation partners
• A track record of introducing automation or process efficiency into compliance-heavy, manual operational environments
• Experience with, or strong working knowledge of, Mastercard Decision Intelligence or comparable real-time fraud scoring/decisioning tools
• Comfortable operating in a startup/build environment, where the role requires establishing processes from scratch rather than inheriting them

Desirable

• Experience with EMV 3DS / Identity Check ACS configuration and management
• Exposure to the South African payment scheme and regulatory environment (PASA, SARB)
• Experience working with or evaluating Mastercard value-added solutions (e.g. Fraud Insights, Clearing Optimizer)

KEY RESPONSIBILITIES

Mastercard Scheme Compliance & Standards

• Own the Bank’s ongoing compliance with the Mastercard Rules, Security Rules & Procedures, and related manuals (Chargeback Guide, Fraud and Loss Database User Guide, ADC Program User Guide, PIN Security Guidelines, Card Design Standards)
• Maintain Mastercard Connect access, My Company Manager registrations, and Security / Safety Net /Fraud & Loss Database contacts across all ICA numbers
• Ensure timely compliance with the Data Integrity Monitoring Program, Issuer Monitoring Program (IMP) and Questionable Merchant Audit Program (QMAP)
• Track Mastercard announcements, mandates and rule changes, assess impact on the Bank’s programme, and drive implementation
• Manage registration and ongoing compliance validation of all Service Providers (Paymentology, Electrum, etc.) with Mastercard, including annual attestations

Card Programme Operations (Issuer BAU)

• Own end-to-end card lifecycle operations: embossing/encoding specifications, PIN generation and delivery, card activation, and reissuance
• Define and maintain the authorisation strategy (decline logic, spending limits, velocity checks, geographic controls) in line with Mastercard requirements and the Bank’s risk appetite
• Manage CVC/CVV verification standards, chip card authentication (SDA/DDA/CDA, ARQC validation) and EMV 3DS / Identity Check compliance with the Card Management System (CMS), Paymentology and the ACS provider
• Oversee 2-series BIN readiness and certification as the Bank scales
• Manage card stock planning, inventory and secure distribution to partnered retail stores, including forecasting, replenishment and reconciliation of stock at store level

Fraud & Risk Management

• Own the relationship with the Mastercard Fraud & Loss Database, Fraud Center and Cyber Secure (ADC) applications, ensuring accurate and timely fraud reporting
• Own the operational implementation of Mastercard Decision Intelligence for fraud screening and management, working with the CMS (Paymentology) to embed real-time decision scores into the authorisation strategy
• Monitor fraud performance KPIs (fraud basis points by product, channel and transaction type) against Mastercard thresholds, escalating and remediating as required
• Tune fraud rules and thresholds on an ongoing basis, monitor detection performance, and manage the Cardholder communication strategy after fraud alerts
• Own the Bank’s Account Data Compromise (ADC) response process and ensure Mastercard's 24-hour notification requirements are met

Chargebacks & Dispute Management

• Own the end-to-end chargeback process: reason codes, response timelines, second presentments and pre-arbitration/arbitration where required
• Ensure fraud-related chargebacks and declines are reported to the Fraud and Loss Database within Mastercard's required timeframes
• Build and continuously improve chargeback operating procedures and reporting in anticipation of scale

Innovation & Process Automation

• Identify the manual, recurring operational and compliance tasks inherent to running a Mastercard debit programme (dashboard reviews, reporting, registrations, monitoring) and design automated workflows to replace them
• Partner with Technology and Data teams to build automated compliance dashboards, alerting and reporting tools that reduce reliance on manual checklists and spreadsheets
• Bring knowledge of Mastercard's own digital tooling (Data Integrity Online, Fraud Insights, Decision Intelligence, Clearing Optimiser, and similar) and recommend where these can replace manual effort
• Establish scalable operational processes and controls from day one, designed to run efficiently as card volumes grow rather than retrofitted later

Vendor & Stakeholder Management

• Act as the Bank’s primary operational point of contact with Mastercard, managing the relationship day-to-day alongside the Head of Payments
• Work closely with the Card Management System (CMS) provider, Paymentology, and the Card Manufacturer & Personalisation partner to ensure operational readiness and ongoing compliance of card production and processing
• Represent card operations in internal governance forums and vendor performance reviews

Governance & Reporting

• Maintain the Bank’s card programme compliance evidence and documentation in a state ready for Mastercard reviews, audits, or the Issuer Monitoring Program
• Provide regular reporting to the Head of Payments on programme performance, compliance status, fraud/chargeback trends and outstanding remediation items
• Support the Head of Payments in the Mastercard Principal Licence relationship and periodic scheme reviews