Chuyên Gia Chính Vận Hành Thẻ

Bằng cấp / Education
Bachelor's degree or above in Computer Science, Information Technology, Information Systems, Electrical Engineering, or a related technical field. Master's degree in IT, Cybersecurity, or Finance & Banking is an advantage.
Kinh nghiệm / Experience
Minimum 5 years of hands-on IT experience in card payment systems at a bank, finance company, card processor, or payment institution
Minimum 3 years operating a live Card Management System (CMS) in production
Proven hands-on experience across all card operation domains:
Card Management System (CMS): card product setup, card lifecycle management, credit parameter configuration, billing engine, fee engine, statement processing
Issuance, activation, replacement, cancellation, renewal
Authorization & Switching: real-time authorization processing, stand-in processing, velocity controls, fraud rules engine
Clearing & Settlement: file generation, net settlement calculation, T+1 clearing, GL reconciliation, dispute file management
Card Lifecycle Management: end-to-end issuance workflow, embossing, PIN generation/mailer, card bureau integration, activation, replacement, cancellation, and renewal
Dispute Management: chargeback workflow, retrieval request, re-presentment, reason codes, scheme SLA tracking (NAPAS, Visa, Mastercard)
Revolving Credit Operations: billing cycle, interest calculation, EPP/instalment plans, minimum payment, grace period, cash advance
Direct experience managing NAPAS host connectivity and clearing/settlement operations
Experience executing HSM key management: key ceremony, ZMK/PEK/ZPK key exchange
Hands-on PCI DSS control management in a live Card Data Environment (CDE)
Card Project Implementation Experience:
Experience participating in at least one end-to-end card system implementation project, covering:
IT workstream delivery and technical task execution
System integration between CMS, CBS, NAPAS, and payment channels
SIT/UAT coordination: environment setup, test data preparation, defect tracking
NAPAS certification testing: test case execution, evidence documentation
Go-live cutover planning and production deployment
Post-launch hypercare support and incident monitoring
Experience working alongside or within a PMO governance structure during a card project is strongly preferred
Ngoại ngữ / Foreign Language (English)
Professional Working Proficiency in English (C1+) - required for reading NAPAS/Visa/Mastercard technical specifications, communicating with international vendors (CMS, HSM, scheme technical teams), writing incident reports and PIRs, and reading PCI DSS documentation.
Kiến thức chung / General Knowledge
Am hiểu tổ chức / Understanding of the organization: Understands the card product portfolio, business objectives, and the role of IT Cards & Payment within the broader organization. Can align technical operations decisions with business priorities and communicate system status clearly to non-technical stakeholders.
Am hiểu sản phẩm của đơn vị / Understanding of the unit's products: Deep understanding of NAPAS Domestic Credit Card product features: credit limit management, billing cycle, revolving credit (interest calculation, minimum payment, grace period), cash advance, instalment plans (EPP), fee structures, and card issuance/lifecycle operations. Familiar with digital card products including tokenization and mobile wallet integration.
Am hiểu quy định/quy trình tác nghiệp trong đơn vị Understanding of operational regulations and procedures: Thorough knowledge of NAPAS technical and operational specifications, PCI DSS v3.2.1/v4.0 requirements applicable to card issuance and switching environments, and SBV regulations governing card operations. Familiar with internal IT change management, incident management, and project delivery procedures. Understands card project lifecycle: requirements definition, system design review, SIT/UAT planning, NAPAS certification process, production cutover, and post-go-live hypercare. Can read and contribute to project governance documents: technical design specs, integration test plans, UAT test scripts, go-live readiness checklists, and operational handover runbooks.
Năng lực, kỹ năng chuyên môn / Professional Skills & Competencie
Card Business & Technical Operations Knowledge: Deep understanding of the full card payment ecosystem covering - (1) Card Management System (CMS): card product setup, billing engine, fee engine, credit limit management, revolving credit (interest calculation, EPP/instalment plans, minimum payment, grace period, cash advance), statement generation; (2) Authorization & Switching: real-time online/offline authorization, stand-in processing, velocity controls, fraud rules engine, response code handling; (3) Clearing & Settlement: T+1 clearing file generation, net settlement calculation, GL reconciliation, dispute/chargeback file processing; (4) Card Lifecycle Management: full issuance workflow (application, embossing, PIN generation/mailer, card bureau integration), activation, card replacement, card cancellation, and card renewal procedures; (5) Dispute Management: chargeback workflow, retrieval request handling, re-presentment, reason code classification, dispute cycle tracking within scheme SLAs (NAPAS, Visa, Mastercard); (6) Hands-on CMS platform operation - can configure product parameters, execute batch operations, troubleshoot transaction failures, and perform reconciliation independently.
Standards & Protocol Knowledge: Proficient in ISO 8583; NAPAS Domestic Credit Card specifications; EMV chip, 3D Secure 2.x (ACS/DS/3DS Server flows); Visa BASE I/II and Mastercard IPM clearing; EMV contactless (payWave/PayPass); HSM protocols (Thales/Futurex/Atalla key commands).
PCI DSS & Security Technical Controls: In-depth knowledge of PCI DSS v3.2.1/v4.0 (all 12 requirements)
IT Infrastructure, Scripting & Project Delivery Skills
Incident & Change Management, and PMO Collaboration
Năng lực cốt lõi / Core Competencies
Năng lực cốt lõi chung / General Core Competencies
Technical Problem-Solving & Analytical Thinking: Methodical troubleshooter; isolates root cause systematically before acting; uses data and logs to drive decisions; comfortable with complexity and ambiguity in production environments.
Communication & Stakeholder Management: Translates technical issues into clear business language; communicates proactively during incidents; works effectively with Card Operations, Fraud, Finance, Risk, and external vendors.
Ownership & Accountability: High sense of personal ownership over system uptime and data integrity; proactive monitoring; raises issues early; never sits on a problem; treats documentation as a responsibility, not a task.
Adaptability & Continuous Learning: Stays current on scheme changes (NAPAS bulletins, Visa/Mastercard operational updates), PCI DSS evolution, and emerging threats to card infrastructure; actively improves operational processes.
Năng lực kỹ năng quản lý, lãnh đạo (áp dụng cho cấp từ trưởng nhóm trở lên) / Managerial & leadership competencies (Apply for team leader level and above).
Vendor Management: Holds CMS vendor, NAPAS technical team, HSM provider, and card bureau accountable on SLAs; escalates effectively; coordinates multi-vendor resolution during major incidents; tracks vendor deliverables against contractual commitments.
Planning & Organization: Manages multiple concurrent operational tasks and change requests; prioritizes effectively in high-pressure situations; maintains organized and up-to-date runbooks, operational calendars, and change schedules.
Judgment & Decision-Making: Makes sound technical decisions under time pressure during incidents; knows when to escalate vs. resolve independently; balances speed of resolution with risk of system impact; applies change management discipline consistently.