Senior Card Scheme Compliance Analyst

About this role

Senior Card Scheme Compliance Analyst

What you'll be doing

• Analyse scheme bulletins, mandates, and bi-annual releases; lead assessment of their regulatory, commercial, operational and technical impact; translate requirements into clearly documented business and technology deliverables; monitor progress and track implementation evidence through to completion.
• Produce accurate and timely management information on scheme mandates, compliance status, overdue actions, exceptions, potential breaches and material scheme risks, escalating issues in accordance with the relevant governance framework
• Lead the day-to-day management of assigned scheme compliance obligations, escalating material risks, potential breaches and policy decisions to the Head of Card Scheme Management
• Monitor and manage scheme non-compliance notifications, potential breaches, assessments and remediation actions, ensuring that root causes, owners, deadlines, financial exposure and escalation requirements are clearly documented and tracked to closure
• Manage the merchant PCI DSS compliance programme, including merchant communications, monitoring, exception management, escalation and management reporting, working with Information Security and other control functions where technical assurance is required
• Manage and respond to scheme related queries and provide clear advice and training on card scheme rules, compliance obligations and mandates across the business
• Communicate regularly with the major card schemes on a variety of initiatives
• Be part of Project teams as an SME for Scheme related activity
• Represent Cashflows at Industry conferences
• *

What you'll be experienced in

• 3-5 years working in a scheme compliance role preferably as an Acquirer
• Daily engagement with major card schemes – Visa, Mastercard, Amex, JCB, UPI, Discover. With the ability to challenge where required.
• Reviewing and analysing Scheme Mandates, releases, and scheme manuals; translating these to understandable requirements across the business and monitoring and tracking their progress through to delivery
• Sound, practical understanding of the processing lifecycle - Authentication, Authorisation Clearing and settlement including message specifications
• Working knowledge of key Scheme Compliance programs –e.g. Data Integrity, AIS, Merchant PCI DSS management, QMR/GOC reporting, ATM location reporting, Third Party Agent/Service provider management, Waiver submissions and non-compliance remediation.
• Practical, working knowledge of the main scheme online portals with a firm understanding of how to navigate within them
• Ability to make sound, evidence-based decisions in a fast-paced environment
• Excellent administrative and organisational skills
• Good presentation skills
• A desire to challenge to the status quo
• Ability to work well under pressure and be able to prioritise to meet deadlines and quickly shift priorities as necessary.
• Ability to multi-task, work independently and demonstrate keen attention to detail.
• Ability to communicate ideas including resistance management.
• Ability to influence cross-functional teams without formal authority
• Positive attitude with a team player spirit

Desirable

• Track record of managing or being part of a project team which successfully delivered scheme enhancements or projects
• A knowledge of the different Scheme Licenses and their associated rules across Europe including Extended Area’s of Use, Cross Border Acquirer and Central Acquiring
• How to set up / Delete Acquiring ARID’s and ICA’s
• Experience with ATM Processing in addition to Merchant Acquiring

The hours

This is a full-time role (40 hours a week) – Monday to Friday.

What you'll get

Our benefits and perks include.

· Salary is competitive.

· 25 days holiday per year, plus a day off on your birthday, a wellbeing day and one day if you're moving house.

· Electric Car Scheme

· Free access to a Mortgage Advisor

· Private Medical Insurance

· 4x salary life assurance

· 6% employer pension contributions

· Health Cash Plan cover

· Charity matching & volunteering opportunities

· Length of service award- extra day holiday for each year of service, up to maximum of 28 days

· Discounts with a wide range of retailers

· Flexible working, we believe that it’s important for us to work flexibly and so we're very supportive of working from home and in the office.

· Bike to Work Scheme

And finally, we also throw a great staff party twice a year!