Sr Product Owner

Job Description

REQUIREMENTS

– Bachelor’s degree or equivalent experience.
– 5+ years of experience as a Product Owner, Technical Business Analyst, or Product Manager in the payments industry, with emphasis on payment gateways, merchant acquiring, or processor integrations.
– Deep understanding of credit card processing lifecycles, including authorization, clearing, and settlement; ISO 8583/JSON payment messaging; PCI-DSS compliance; and NACHA operating rules.
– Proven understanding of how data fields such as Level II/III data, network tokens, and merchant category codes impact interchange optimization and authorization outcomes.
– Proficiency in Azure DevOps (ADO) or Jira for backlog grooming, epic/story tracking, and workflow management.
– Exceptional ability to synthesize complex card brand, legal, or regulatory documentation into crisp, actionable technical specifications for developers.

RESPONSIBILITES

Compliance, Regulation & Mandate Tracking
– Proactively monitor, analyze, and track semi-annual brand mandates and regulatory changes from Visa, Mastercard, Discover, American Express, and NACHA.
– Translate complex regulatory and card brand requirements into clear operational impacts and technical requirements across cross-functional teams.
– Track processor certifications and recertifications and maintain the source of truth for processor-supported payment features, technical functionality, and U.S. dollar processing capabilities.

Technical Product Ownership & Execution
– Facilitate technical discovery meetings with stakeholders, internal product teams, processors, and card schemes to gather detailed technical requirements.
– Convert requirements into clear user stories, visual flows, and acceptance criteria for engineering teams.
– Own, prioritize, and manage the technical backlog in Azure DevOps (ADO), tracking compliance and gateway enhancement work through the full SDLC.
– Define and implement payment payload data element requirements so transactions can qualify for optimal interchange rates, support higher authorization rates, and settle cleanly.
– Remove technical roadblocks by sourcing missing data specifications, resolving documentation ambiguities, and clarifying compliance logic.

Cross-Functional Collaboration & Enablement
– Partner with security and architecture teams to build scalable, secure payment processing capabilities that maintain strict PCI compliance and reduce downstream development time.
– Assess compliance change impacts on client onboarding and train onboarding and operational teams so new clients can be configured and supported effectively from day one.
– Author and publish internal and external technical bulletins covering mandate changes, compliance deadlines, and new gateway capabilities for sales, client services, and solutions consultants.

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