Detroit, MI · On-site
Experience with 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay ... Preferred Certifications: CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP ...
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Detroit, MI · On-site
Experience with 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay ... Preferred Certifications: CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP ...
To excel in EMV Certification roles, a strong understanding of payment system security, smart card technology, and EMV standards is essential, generally supported by relevant IT or engineering degrees. Familiarity with EMVCo testing tools, certification platforms, and compliance frameworks such as ISO/IEC 7816 is commonly required. Exceptional attention to detail, analytical thinking, and the ability to communicate complex issues effectively help professionals stand out. These skills are crucial for ensuring payment solutions are secure, compliant, and meet global industry standards.
Professionals in EMV Certification routinely perform technical assessments of payment hardware and software, run compliance tests using EMVCo-certified tools, and document results for clients or regulatory bodies. Daily work often involves troubleshooting inconsistencies, collaborating with development teams to resolve compliance issues, and keeping up-to-date with evolving security protocols. The role requires close coordination with project managers, QA teams, and external partners to ensure that payment products are certified on schedule. Staying organized and detail-oriented is critical, as maintaining accurate records is a key part of the certification process.
An EMV Certification job involves testing and validating payment terminals, ATMs, or card processing systems to ensure they meet EMV (Europay, Mastercard, and Visa) compliance standards. Professionals in this role work with banks, merchants, or payment processors to certify that their hardware and software meet security and interoperability requirements. This process helps prevent fraud and ensures seamless card transactions. Responsibilities may include conducting test transactions, troubleshooting issues, and collaborating with regulatory bodies.
Contractor
Posted 26 days ago
Key Responsibilities
• Elicit, document, and manage business and functional requirements for credit card payment processing systems, including authorization, clearing, settlement, chargebacks, and dispute resolution workflows.
• Translate complex business requirements into detailed functional specifications, user stories, process flows, and data mapping documents for development and QA teams.
• Analyze end-to-end payment lifecycle processes including card authorization, capture, refund, tokenization, 3DS (3D Secure), and fraud management.
• Collaborate with internal teams (engineering, product, compliance, risk, and operations) and external vendors/partners to define and deliver payment solutions.
• Support and participate in UAT (User Acceptance Testing), system integration testing (SIT), and regression testing cycles, including reviewing test cases and defect management.
• Ensure all payment solutions adhere to PCI-DSS compliance standards, regulatory requirements, and industry best practices.
• Facilitate workshops, stakeholder meetings, and sprint ceremonies (in Agile environments) to drive alignment and timely delivery.
• Analyze payment data and transaction reports to identify trends, anomalies, and areas for process improvement.
• Support go-live activities, post-implementation monitoring, and production incident resolution related to payment systems.
• Assist in documenting API specifications and integration guides for payment gateway and processor connectivity.
Required Qualifications
• 4-7 years of experience as a Business Analyst or Technical Business Analyst, with a strong focus on credit card or digital payments processing.
• Deep knowledge of the payments ecosystem: card networks, issuers, acquirers, payment gateways, and processors.
• Proficiency with payment authorization/settlement flows.
• Experience with PCI-DSS compliance requirements and tokenization/encryption concepts.
• Solid understanding of REST APIs and ability to read and interpret API documentation and message schemas.
• Strong skills in writing BRDs, FRDs, user stories, use cases, data flow diagrams, and process maps.
• Experience working in Agile/Scrum methodology using tools such as Azure DevOps.
• Excellent communication and stakeholder management skills.
Preferred Qualifications
• Experience with 3D Secure (EMV 3DS), EMV chip, contactless payments, and digital wallets (Apple Pay, Google Pay).
• Knowledge of chargeback and dispute management processes.
• Familiarity with payment platforms such as Fiserv, FIS, ACI Worldwide, Worldpay, Stripe, Adyen, or Cybersource.
• Preferred Certifications: CBAP, PMI-PBA, or relevant payments industry certifications (e.g., AAP - Accredited ACH Professional).
• Experience with fraud detection tools and rules engines.
• Experience with reconciling merchant activity to the system
Technical Skills
• Tools: MS Office Suite, Miro, ADO
• Languages/Query: SQL, basic understanding of XML/JSON
• Standards: ISO 8583, ISO 20022, PCI-DSS, EMV
• Methodology: Agile/Scrum, Waterfall, or hybrid