Senior Functional Specialists in Payments

Description

Job Summary: We are seeking functional specialists in payments for strategic projects focused on the evolution and modernization of card platforms and payment solutions, acting as a bridge between business and technology. Key Highlights: 1. Participation in strategic projects within the payments core 2. High specialization in a sector with strong demand and growth 3. Real impact on business and customer experience We aim to hire functional specialist profiles within the payments ecosystem, with hands-on business and operational experience, to participate in strategic projects for the evolution and modernization of card platforms and payment solutions. This is a strongly functional-oriented position, serving as a liaison among business, operations, risk, and technology, with direct impact on core transactional cycle processes. The selected candidate will work in a hybrid model, with occasional onsite visits to clients in Madrid or Barcelona depending on the project. **Profiles We Are Seeking** This posting targets professionals with at least 3–4 years of experience in one or more of the following areas: 1️ **Acquiring** * Functional analysis and definition of merchant onboarding processes and payment method configuration * Understanding of authorization, settlement, and reconciliation flows * Experience with POS terminals, payment gateways, e-commerce, and omnichannel environments * Interaction with acquirers, PSPs, and processors * Operational incident management (rejections, processing errors, settlement issues) 2️ **Card Issuance** * Functional definition of the card lifecycle: activation, renewal, reissuance, blocking/unblocking, limits, and statuses * Functional configuration of debit, credit, or prepaid products * Knowledge of authorization, clearing, and settlement flows * Experience with issuance platforms or banking/financial environments * Ability to translate business needs into clear functional documentation 3️ **Card Issuance with Redsys Protocol Expertise** * Functional experience in card issuance with Redsys integration * Knowledge of authorization flows, messaging, and response codes * Understanding of issuer–Redsys–scheme interactions * Identification and analysis of operational incidents related to authorizations and rejections * Experience working with processors or platforms connected to Redsys 4️ **Fraud and Authorizations** * Functional analysis of card authorization flows * Knowledge of anti-fraud rules, decision engines, and 3DS * Optimization of authorization rates and reduction of false positives * Analysis of transactional metrics (authorization rates, fraud, rejection patterns) * Collaboration with risk, operations, and technology teams 5️ **Tokenization and Payment Security** * Functional experience in card tokenization * Knowledge of HSMs and cryptographic flows (PIN, keys, certificates) * Participation in PCI compliance-related projects * Understanding of cryptographic processes in issuance and/or acquiring * Ability to translate business and security requirements into functional definitions **Common Requirements** * 3–4 years of hands-on experience in the payments ecosystem * Functional experience (not purely technical) * Analytical capability and end\-to\-end vision of the payment process * Experience collaborating with business, operations, and technology teams * Fluent Spanish * B1-level English is valued **Work Model** * Hybrid model * Occasional onsite visits to clients in Madrid or Barcelona, based on project needs **What Does This Role Offer?** * Participation in strategic projects within the payments core * Exposure to critical processes in the card ecosystem * Collaborative and cross-functional environment * High specialization in a sector with strong demand and growth * Real impact on business, customer experience, and operational optimization If you have solid experience in any of these areas and wish to advance your career within the payments ecosystem, this opportunity enables you to work at the heart of transactional decision-making and card solutions. Salary: €40\.000,00\-€50\.000,00 per year Application Questions: * Do you have at least 3–4 years of functional experience in the payments ecosystem (acquiring, issuing, fraud, tokenization, or authorizations)? Briefly describe the area you worked in and for how long. * In which of the following areas do you have the most practical experience: acquiring, card issuance, card issuance with Redsys Protocol, fraud/authorizations, or tokenization? Briefly explain your role and responsibilities. * In your experience, have you defined functional processes, written requirements documentation, or acted as a liaison between business, operations, and technology? Describe a concrete example. * Do you have end\-to\-end knowledge of authorization, clearing, settlement, and/or reconciliation flows? Indicate the context in which you applied this knowledge. * Have you worked with acquirers, issuers, processors, PSPs, or Redsys integrations? Briefly describe the type of interaction you had. * This position requires a hybrid model and possible occasional onsite visits to client offices in Madrid or Barcelona. Are you available to make such visits when required by the project? * Do you have fluent Spanish and at least B1-level English for professional documentation or communication? If desired, I can also prepare a more concise version (e.g., yes/no \+ scoring) to facilitate bulk filtering on InfoJobs or ATS systems. Work Location: Hybrid remote work in Madrid, Madrid province