Job summary
Serve as a senior consultant in cards and payments projects guiding complex solution delivery for global banking clients in a hybrid work model. Apply deep expertise in payments products and transaction processing to improve reliability compliance and customer experience while collaborating with cross functional teams. Contribute to innovation that advances secure and inclusive digital payments.
Responsibilities
- Drive discovery sessions with business and technology stakeholders to understand current cards and payments processes pain points and strategic objectives translating them into clear and practical solution requirements.
- Design end to end solutions for cards and payment flows including authorization clearing settlement dispute handling and reconciliation that align with regulatory standards and industry best practices.
- Lead analysis of existing payments product capabilities and gaps proposing enhancements that improve straight through processing transaction speed and operational resilience.
- Coordinate with architecture and development teams to define integration patterns for payment gateways core banking systems fraud monitoring tools and external networks.
- Prepare detailed functional specifications user stories and process flows for cards and payments features to ensure shared understanding and traceability across the delivery lifecycle.
- Guide configuration and parameterization of payment products such as card management digital wallets and merchant acquiring to align with client specific business rules and pricing models.
- Conduct impact assessments for regulatory and scheme changes in the cards and payments space recommending system and process updates that maintain compliance while minimizing disruption.
- Plan and execute functional and end to end testing of cards and payment journeys including test data design scenario coverage and defect triage to assure production readiness.
- Deliver walkthroughs demos and knowledge transfer sessions for client users and internal teams to ensure smooth adoption of new or enhanced payments capabilities.
- Collaborate with risk compliance and security teams to embed controls that reduce fraud chargebacks and operational risk across the cards and payments ecosystem.
- Analyze transaction data and operational metrics to identify optimization opportunities proposing improvements that increase approval rates reduce failures and enhance customer satisfaction.
- Support production go live activities and post implementation monitoring for new payments releases promptly addressing issues to protect service continuity and client trust.
- Contribute to internal accelerators templates and best practice playbooks for cards and payments consulting that strengthen the company offering and market differentiation.
- Participate in hybrid work ceremonies including virtual and onsite workshops ensuring effective communication and collaboration across distributed project teams.
- Advise clients on emerging trends in digital payments real time rails and card innovations positioning solutions that promote financial inclusion and sustainable growth.
Qualifications
- Demonstrate six to ten years of hands on experience in cards and payments domains covering issuing acquiring or payment processing platforms in banking or financial services environments.
- Exhibit strong functional knowledge of payments products such as card management systems payment switches domestic and international schemes and digital payment channels.
- Apply practical experience with requirements analysis solution design and documentation for complex payment flows involving multiple internal systems and external networks.
- Show proficiency in drafting user stories process maps and functional specifications using standard tools and techniques commonly adopted in consulting engagements.
- Display familiarity with regulatory frameworks and standards relevant to payments including card scheme mandates data protection guidelines and local market regulations.
- Utilize excellent communication and stakeholder management skills to engage business users technical teams and external partners in a clear and respectful manner.
- Demonstrate analytical and problem solving skills with the ability to investigate transaction issues pinpoint root causes and recommend pragmatic remediation steps.
- Value experience in agile or iterative delivery models as a strong advantage including participation in backlog refinement sprint planning and review ceremonies.
- Appreciate previous exposure to analytics or reporting on payments and card performance as a helpful complement to core consulting responsibilities.
关于高知特 (Cognizant)
高知特(Cognizant)（纳斯达克代码：CTSH）作为一家AI Builder和相关技术服务提供商，致力于通过打造全栈AI解决方案，帮助企业将人工智能投资转化为实际价值。公司凭借深厚的行业经验、流程优化和工程技术专长，将企业独特的业务场景融入科技系统，赋能组织释放人才潜能，推动切实成果，并帮助全球企业在瞬息万变的环境中保持领先。如需了解更多详情，敬请访问 cognizant.ai 或关注@cognizant。
补充雇佣信息
薪酬信息截至本职位发布之日为准。Cognizant 保留在适用法律允许的范围内随时修改该信息的权利。
申请人可能需要通过现场面试或视频会议的方式参加面试。此外，候选人在每次面试时可能需要出示其当前所在州或政府签发的有效身份证件。
Cognizant 是一家提供平等就业机会的雇主。在招聘过程中，您的申请和候选资格不会因种族、肤色、性别、宗教、信仰、性取向、性别认同、国籍、残疾、遗传信息、怀孕、退伍军人身份或任何其他受联邦、州或地方法律保护的特征而受到影响。
