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# Senior Card Scheme & Transaction Processing Product Owner

- **Company:** Avarda Group
- **Location:** Hamburg, Germany
- **Experience:** Expert
- **Contract:** Permanent contract
- **Skills:** Issue Tracking Systems, Transaction Processing (Computing)
- **Published:** June 29, 2026
- **Apply:** https://de.indeed.com/viewjob?jk=2e1dcb4608ed2dee

## About the Role

* 5+ years of experience in leading card scheme management, payments, or financial operations
 * Strong understanding of:
 + Card transaction lifecycle
 + Reconciliation processes
 + Payment schemes (Visa/Mastercard)
 * Experience working across finance, operations, and technology teams
 * Fluent in English
 * A self-driven, proactive mindset with ability to thrive in a fast-paced environment

## Description

We are looking for a hands-on, self-driven Cards & Payments expert to take ownership of our end-to-end card scheme management, transaction lifecycle and reconciliation processes. This is a high-impact role where you will drive operational excellence, financial control, and continuous improvement across our card payment ecosystem.

If you thrive in a fast-moving environment and enjoy working at the intersection of finance, operations, and technology, this role is for you.

What You'll Do

 * Own the full card transaction lifecycle (authorization, clearing, settlement, posting), govern Visa/Mastercard scheme changes, and continuously improve process frameworks and operating procedures
 * Oversee all reconciliation activities (scheme/network, settlement, GL), drive timely resolution of breaks and discrepancies, and set tolerance thresholds, controls, and escalation frameworks
 * Act as the central point of contact for Finance & Accounting, Operations, Technology, and external partners (schemes, processors, vendors), enabling cross-functional collaboration to drive issue resolution
 * Define and track KPIs (reconciliation timeliness, processing accuracy), build reporting dashboards for leadership, and conduct root cause analysis to eliminate recurring issues
 * Identify and implement automation, digitization, and standardization opportunities, including platform migrations, reconciliation tool implementations, and best practices like auto-matching and exception-based processing
 * Ensure adherence to card scheme rules (Visa, Mastercard), regulatory requirements (PSD2, AML), and internal governance policies, while managing the impact of regulatory changes and maintaining incident tracking for governance forums


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