Careers – Matrix-IFS

Senior Implementation Consultant – Card Payments

We are seeking an experienced Senior Implementation Consultant with deep expertise in traditional card payments and Visa/Mastercard implementation programs.

In this role, you will support complex customer implementations with a strong focus on card issuing, transaction lifecycle management, network-to-bank message flows, clearing and settlement, integrations, APIs, testing, troubleshooting, and production readiness.

You will act as a functional and technical Subject Matter Expert (SME), partnering directly with customers and internal teams to drive successful delivery across implementation, certification, go-live, and post-production stabilization activities.

This is a highly specialized cards domain role. Candidates must bring hands-on experience working within traditional card payments environments such as issuer processing, acquiring, payment switches, card management platforms, fintechs, processors, or banking technology organizations.

Key Responsibilities

• Lead customer-facing implementation discussions for Visa and Mastercard card payment programs.
• Act as a card payments SME across implementation, testing, operational readiness, certification, and go-live workstreams.
• Define and validate end-to-end transaction flows between card networks, issuers, processors, payment switches, APIs, and downstream banking platforms.
• Support implementation activities across:
• Authorization
• Clearing & settlement
• Reconciliation
• Disputes and chargebacks
• Exception handling
• Transaction lifecycle processing
• Translate business and technical requirements into:
• Implementation plans
• Integration requirements
• Configuration activities
• API mappings
• Test scenarios
• Support API integrations, message mapping, field mapping, transaction validation, and error handling workflows.
• Partner with product, engineering, security, compliance, operations, and external vendor teams to ensure successful delivery.
• Support SIT, UAT, certification testing, regression testing, production validation, cutover, go-live, and hypercare activities.
• Troubleshoot implementation and production issues through:
• Log analysis
• Transaction tracing
• API response analysis
• Message payload reviews
• Error and response code analysis
• Identify delivery risks, integration issues, operational gaps, and implementation dependencies, while driving mitigation plans.
• Advise customers on best practices and standard card processing behaviors while avoiding unnecessary legacy replication.
• Collaborate with internal stakeholders to improve implementation methodologies, documentation standards, and delivery practices.

Required Experience

• 7+ years of experience within payments, banking technology, card processing, fintech, acquiring, or issuer processing environments.
• 4+ years of hands-on experience implementing traditional card payment solutions involving Visa and/or Mastercard ecosystems.
• Strong experience supporting card issuing, processor migration, payment platform modernization, or card platform implementation programs.
• Deep understanding of the end-to-end card transaction lifecycle, including:
• Authorization
• Clearing
• Settlement
• Reversals
• Refunds
• Reconciliation
• Chargebacks/disputes
• Experience working with banks, issuers, processors, payment switches, card networks, or fintech organizations.
• Ability to lead customer workshops across business, technology, operations, and compliance stakeholders.
• Hands-on experience supporting:
• Requirements gathering
• Solution design
• Integration
• Testing
• Certification
• Migration
• Go-live and post-production support
• Strong documentation and implementation governance experience.
• Excellent communication and consulting skills with the ability to engage both technical and non-technical audiences.

Required Card Payments Knowledge

• Visa and/or Mastercard transaction processing and implementation practices.
• Network-to-bank and bank-to-network message flows.
• Authorization flows, declines, reversals, refunds, response handling, and exception processing.
• Clearing, settlement, posting, reconciliation, fees, disputes, and operational processes.
• BIN setup, card product configuration, transaction rules, limits, and processing parameters.
• Payment message structures, response codes, transaction statuses, and failure scenarios.
• Scheme testing, certification activities, and production readiness processes.

Technical & Integration Skills

• Strong understanding of API integrations, authentication, request/response handling, and error management.
• Experience with:
• Data mapping
• Message mapping
• Transaction trace analysis
• Test data validation
• Issue triage
• Ability to analyze logs, API responses, dashboards, and observability outputs for troubleshooting and root-cause analysis.
• Understanding of PCI-related security controls, encryption, tokenization, and secure data handling practices.
• Comfortable working within cloud-native, SaaS, API-driven, and microservices-based financial technology environments.

Preferred Qualifications

• Experience with ISO 8583 or similar payment messaging standards.
• Background with issuer processors, payment switches, card management systems, or core banking platforms.
• Experience supporting Visa or Mastercard certification and network testing processes.
• Experience with processor replacement, ledger migration, or large-scale payment transformation initiatives.
• Exposure to fraud, AML, risk monitoring, or dispute management platforms connected to card payment systems.
• Experience working across European markets and distributed global teams.
• Previous consulting, implementation, or solution advisory experience within financial services.

Skills & Competencies

• Strong client-facing consulting capabilities and executive communication skills.
• Ability to operate as both a functional and technical SME.
• Strong analytical and problem-solving mindset with attention to transaction-level detail.
• Ability to translate business requirements into actionable implementation and integration plans.
• Strong governance, planning, documentation, and delivery execution discipline.
• Ability to manage multiple priorities and cross-functional dependencies in fast-paced environments.
• Collaborative and proactive approach with high accountability and ownership.

Success Measures

• Successful delivery of complex card implementation programs.
• High customer satisfaction and stakeholder alignment throughout implementation lifecycle.
• Effective management of risks, issues, dependencies, and operational readiness activities.
• High-quality implementation documentation, testing support, and certification readiness.
• Successful troubleshooting and stabilization during go-live and post-production phases.
• Continuous improvement of implementation methodologies and delivery standards.

Matrix is a global, dynamic, and fast‑growing technology services and consulting company with over 17,000 employees worldwide. Founded in 2001, Matrix has grown through significant organic expansion and strategic acquisitions, executing some of the largest and most impactful technology projects in the market.

We specialize in the design, development, and implementation of advanced technologies, software solutions, and digital products. Our services include infrastructure and consulting, IT outsourcing and offshore delivery, training and assimilation programs, and acting as a trusted implementation and delivery partner for the world’s leading software vendors.

With deep expertise across both the private and public sectors—spanning Finance, Telecom, Healthcare, Hi‑Tech, Education, Defense, and Security—Matrix serves a strong customer base in Israel alongside a continuously expanding global client portfolio.

At Matrix, our people are at the heart of our success. We are a community of talented, creative, and dedicated professionals who are passionate about innovation and excellence. We actively attract, develop, and retain top talent, recognizing that every employee’s contribution is critical to our continued growth and future success.

Matrix’s success is built on a challenging and engaging work environment, competitive compensation and benefits, and meaningful career development opportunities. We foster a diverse, inclusive culture that encourages collaboration, continuous learning, and growth—together.

Join the winning team. Be challenged, grow your career, and enjoy the journey in a highly respected global organization.

To learn more, visit: www.matrix-ifs.com

EQUAL OPPORTUNITY EMPLOYER: Matrix is an Equal Opportunity Employer and Prohibits Discrimination and Harassment of Any Kind. Matrix is committed to the principle of equal employment opportunity for all employees, providing employees with a work environment free of discrimination and harassment. All employment decisions at Matrix are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion or belief, family or parental status, or any other status protected by the laws or regulations in our locations. Matrix will not tolerate discrimination or harassment based on any of these characteristics. Matrix encourages applicants of all ages.