- 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
- 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
- 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
- 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!
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Senior Card Scheme Compliance Analyst employer: Cashflows
At Cashflows, we pride ourselves on being an excellent employer by fostering a collaborative and inclusive work culture that prioritises employee growth and development. Our hybrid working model allows for flexibility while you engage in meaningful work that directly impacts the safety and integrity of our financial operations. With comprehensive training programs and opportunities to work alongside industry experts, you'll find a rewarding career path in a dynamic environment dedicated to innovation and compliance.
