Senior Subject Matter Expert - Card Payments

Senior Subject Matter Expert - Card Payments About The Role: Join Enfuce at a pivotal moment as we build and scale our next-generation card processing platform. As a Senior Subject Matter Expert in Card Payments, you will define and lead new card scheme integrations, work directly on certification artefacts, test cases and scheme (Visa, Mastercard) validation flows. This is a hands-on, highly influential role where deep card-payments expertise meets platform leadership. You will work closely with architecture, product, and scheme partners to drive certifications, define standards, and ensure Enfuce’s processing capabilities are robust, compliant, and future-proof. What you'll be doing: Utilize extensive experience in card processing, authorization, clearing, ISO8583 specification, and scheme ecosystems. Execute test cases and own the end-to-end certification and integration with card schemes (Visa, Mastercard), acting as the primary SME authority across internal teams and scheme counterparts, deeply analysing and resolving issues during certification and production. Lead process flows definition with software architects. Partner with scheme representatives and internal stakeholders to turn complex scheme rules into clear guidance that supports business needs, technical simplicity, and product decisions. Actively share domain knowledge with team members through delegation, mentoring, and documentation. Assist in migration topics and integration options with Visa/Mastercard. Serve as point of contact for the customer to support defining workflows and gathering requirements based on their business needs Identify opportunities for process and tool improvements, challenging leadership decisions when necessary. Advocate for the use of available tools from Mastercard and educate stakeholders on their benefits. What you'll bring: Proactive leadership and initiative-taking, demonstrated through examples such as test API and MDES projects. Strong requirement elicitation skills, capable of questioning and clarifying requirements to ensure alignment with business needs. Extensive technical knowledge of payment schemes, EMV frameworks, and modern card-processing architectures. Ability to analyze and generate reports, including PSD2, QMR, authorization, transaction, and balance summaries. Proficiency in working with Visa and Mastercard scheme manuals, tools and simulators to complete tests. Experience using log analytics tools for monitoring and troubleshooting. Strong research skills and industry knowledge, staying updated through Mastercard and Visa seminars and training sessions. Ability to advise engineering and operation teams on issues and solutions. Why You’ll Love Working At Enfuce: High autonomy & ownership: We give you the freedom to own your work and trust you to make the best decisions for your projects. Top-tier talent: Join a team of industry experts and highly skilled professionals who are as passionate as you are about innovation. Unlimited growth potential: We support your ambition with plenty of room for personal and professional growth within the company. Flexible, remote work: Work from anywhere up to 30 days, in an environment that values flexibility and work-life balance. A supportive culture: You’ll be part of a team that encourages, motivates, and celebrates success together. Comprehensive benefits package: We take care of our people with great benefits to match the value you bring. Benefits & Perks: Fair pay and employee stock option: We value the input of every employee and want you to tap into the growth we build together. That’s why our salaries are competitive and reassessed regularly, and you have access to an employee stock option program. Flexible Paid Time Off: We offer a flexible paid time off policy, providing up to 5 weeks of annual vacation days and paid family leave (subject to country regulations). Additionally, you can benefit from hybrid or remote work options, promoting a healthy work-life balance. Regular Fun With Your Team: To spend other than work-related time with your teammates, you get a team activity budget for three quarters a year. The fourth quarter is reserved for a company-wide event. Department Service & Delivery Locations Espoo , Germany (Remote), London , Mariehamn , Spain (Remote), Remote EU, Netherlands (Remote) Remote status Fully Remote Espoo Germany (Remote) London Mariehamn Spain (Remote) Remote EU Netherlands (Remote) About Enfuce Founded in 2016, Enfuce is a female-founded and led company with a unique vision: to bring the brightest minds and the best technology together to break down the barriers to prosperity. As a leading global card issuer and payment processor that merges innovation, security, and expertise to create modular, cloud-based payment processing capabilities, Enfuce is one of Finland’s most valuable scaleups, and is the first financial service provider in the world to be PCI-DSS certified while running its service in the public cloud. By focusing on collaboration, Enfuce is able to efficiently provide customers with cutting edge features – offering in-house experts and white labelled technology to help companies create scalable payment solutions with ease. Supporting debit, credit, prepaid, gift, fleet, and fuel card programmes in any form – for consumer, commercial, and B2B applications. Enfuce’s no-nonsense approach helps customers create bespoke payment solutions that are flexible, scalable, and secure. Holding an Electronic Money Institution (EMI) licence from the Finnish FSA and from the UK’s Financial Conduct Authority (FCA), enabling operations across Europe and the UK, Enfuce’s PCI-DSS certified platform guarantees 99.999% uptime, global scalability, and card scheme connectivity, supporting various card programmes and integration with digital wallets. Enfuce has raised €68.5 million in funding rounds, showcasing its industry leadership with recognitions like Visa Fintech Fast Track and Mastercard Lighthouse Development Program participation, as well as winning prestigious awards, such as the 2019 PayTech Award for Best Payments Solution, 2022 FF Award for Mobile Payments and the 2023 FF Award for Authentic ESG. Propelled by the forward-looking vision of its Co-CEOs and Nordic ingenuity, Enfuce is set to expand globally, shaping the future of payment solutions. Founded in 2016 Co-workers About 130 and growing!