Card Manager

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

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.

• 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

• 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)

• 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

• 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…