Card Scheme Operations Specialist (Visa & Mastercard)

Location: Estonia Workplace: fully About the Client Our client is a growing payment services provider serving international businesses. Its platform supports card payments, transfers, currency exchange, and day-to-day fund management. Role Overview Take ownership of the operational work that keeps card services aligned with changing scheme requirements. You will assess updates, coordinate action across teams, and improve the processes and documentation that support the card business. The role offers scope to make a direct impact while working with skilled colleagues across the business. Key Responsibilities Monitor and interpret Visa and Mastercard bulletins, mandates, rule changes, and operational updates. Assess the impact of scheme changes and coordinate implementation with internal stakeholders. Support scheme integrations, certifications, testing, and the introduction of new programs or services. Prepare and submit mandatory scheme reports, including compliance, PCI DSS, and quarterly reports. Coordinate responses to card scheme requests, inquiries, and investigations. Keep internal registers, trackers, and operational records accurate and up to date. Maintain knowledge bases, Confluence pages, and process documentation. Give internal teams guidance on scheme requirements and best practices. Work with Product, Operations, Compliance, Finance, Risk, and Engineering to align processes with scheme requirements. Improve processes and operational efficiency across the card business. Requirements At least 1 year of hands-on experience working directly with Visa and/or Mastercard at an acquirer, issuer, processor, PSP, or card scheme. Practical knowledge of scheme rules and operating regulations, with experience applying them in daily work. Experience with mandate implementation, scheme reporting, compliance programs, and scheme inquiries or investigations. Experience using Visa Online, Mastercard Connect, or other scheme portals and tools. Experience supporting scheme integrations, certifications, testing, onboarding to new services, or technical and operational changes. Ability to manage multiple priorities and work independently in a fast-paced environment. Knowledge of PCI DSS and scheme compliance programs, such as fraud and chargeback monitoring, is a plus. A background in payments or regulated financial services is a plus. Strong written and verbal communication skills for working with international stakeholders. Languages: English Experience in fintech Key Soft Skills Strong analytical and problem-solving skills to investigate complex operational matters. Excellent attention to detail and organizational skills. Ability to manage multiple priorities and work independently in a fast-paced environment. What We Offer Competitive salary aligned with experience Collaborative and transparent team culture High-impact role in a scaling fintech company Recognition of personal milestones and achievements Social benefits