Business Analyst

We are seeking a Payment Cards & Digital Wallet Specialist to support a leading Payments client on initiatives related to card issuing, tokenization, and digital wallets. Key Responsibilities

• Support the design and implementation of digital wallet payment solutions (Apple Pay, Google Pay, Samsung Pay, Huawei Pay), including Bancomat
• Manage card tokenization activities and related Identification & Verification (ID&V) processes.
• Contribute to the enablement and certification of new payment products across schemes and wallets.
• Provide functional support on debit and credit card issuing, including BIN management and product configuration.
• Collaborate with PSPs and specialized vendors for technical integrations via APIs, ISO messaging, and third‑party solutions.
• Support wallet operations in case of card block, theft, or loss, including end‑to‑end token lifecycle management.
• Engage with internal and external stakeholders (IT, Compliance, vendors, schemes) to ensure regulatory and technical alignment.

• Strong knowledge of wallets supporting the Bancomat scheme: Apple Pay, Google Pay, Samsung Pay, Huawei Pay.
• Strong knowledge of digital wallets, tokenization, and card issuing (debit/credit).
• Experience with ID&V methods and authentication protocols (e.g., 3DS).
• Awareness of Bancomat limitations versus international schemes (Visa/Mastercard), particularly for e‑commerce and card‑on‑file use cases.
• Solid understanding of the PSD2 framework and Bank of Italy regulations, including:
  • Non compliance of SMS OTP
  • Increasing adoption of 3D Secure for authentication.
• Knowledge of wallet implementation models: direct integration, ISO messaging, and third‑party APIs.
• Familiarity with specialized wallet PSPs (e.g. Worldline or equivalent).
• Strong understanding of card BIN management, including the distinction between debit and credit products.
• Awareness that product classification is defined at BIN level, not BIN range.
• Knowledge of token behavior in wallets in case of card block, theft, or loss (temporary suspension, deletion, reactivation).
• Nice‑to‑have: understanding of automatic token migration processes subject to customer consent.

• Strong communication skills with both technical and business stakeholders.
• Ability to work effectively in regulated and complex environments.
• High level of autonomy with a consulting‑oriented approach.
• Experience with issuers, acquirers, PSPs, schemes, or fintech companies.
• Previous projects on card or digital wallet evolution within the Italian banking sector.
• Knowledge of payment regulations and key security frameworks.