Senior Payment Tokenization Specialist

Job Title: Senior Payment Tokenization Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

The Senior Payment Tokenization Specialist is responsible for overseeing the technical implementation, security review, operational monitoring, and continuous improvement of payment tokenization solutions. The role focuses on replacing sensitive payment credentials with secure tokens, supporting token lifecycle management, reviewing payment integrations, monitoring token transaction performance, and strengthening payment data protection controls. Working fully remotely, the specialist collaborates with payment technology teams, banks, card networks, payment service providers, cybersecurity professionals, and compliance stakeholders to support secure and reliable digital payment experiences.

Key Responsibilities

• Oversee the technical and operational administration of payment tokenization solutions across digital payment channels.
• Support the implementation and maintenance of network payment tokenization services, including applicable card network tokenization frameworks.
• Coordinate token provisioning, activation, suspension, replacement, deletion, and lifecycle management processes.
• Review payment tokenization architectures, integration requirements, data flows, and system interfaces.
• Support tokenization integrations across e-commerce platforms, mobile applications, digital wallets, merchant systems, and payment gateways.
• Review token requestor configurations, token assurance information, device binding processes, and token domain restrictions.
• Monitor token provisioning rates, transaction success rates, token lifecycle exceptions, and payment authorization performance.
• Investigate token provisioning failures, payment declines, cryptogram validation issues, and token synchronization discrepancies.
• Coordinate with issuing banks, acquiring banks, payment processors, card networks, and technology vendors to resolve tokenization incidents.
• Review the secure handling and transmission of payment credentials and token-related data across integrated systems.
• Support the implementation of token vault controls, access restrictions, encryption requirements, and secure key management practices.
• Assess tokenization workflows for alignment with applicable Payment Card Industry Data Security Standard (PCI DSS) requirements and internal security policies.
• Collaborate with cybersecurity and application development teams to review tokenization risks and recommend appropriate technical safeguards.
• Support API integration testing, transaction simulation, system acceptance testing, and regression testing for tokenization services.
• Review technical documentation, interface specifications, configuration records, and operational procedures.
• Monitor token lifecycle events and investigate discrepancies between token service providers, issuers, and merchant platforms.
• Analyze payment transaction data to identify unusual token activity, suspicious provisioning patterns, and potential fraud indicators.
• Support incident investigations involving compromised credentials, token misuse, unauthorized token provisioning, or failed token deactivation.
• Maintain tokenization performance reports, incident logs, integration records, and technical change documentation.
• Contribute to root cause analysis and corrective action plans for recurring tokenization failures.
• Support audits and compliance assessments relating to payment data protection and tokenization controls.
• Recommend improvements to token provisioning reliability, transaction security, system interoperability, and operational efficiency.
• Provide technical guidance to developers, payment operations teams, and junior tokenization specialists.

Qualifications and Experience

• Bachelor's degree in Computer Science, Information Technology, Cybersecurity, Software Engineering, or a related discipline.
• Significant experience in payment technology, payment tokenization, digital payments, card processing, or financial technology systems.
• Strong understanding of payment tokenization concepts, token lifecycle management, and secure payment credential handling.
• Familiarity with EMV payment tokenization specifications and relevant card network tokenization frameworks.
• Experience integrating tokenization services with payment gateways, digital wallets, merchant platforms, and mobile applications.
• Understanding of token requestors, token service providers, token vaults, device binding, and cryptographic payment authentication.
• Knowledge of payment authorization flows, transaction cryptograms, token domain controls, and payment lifecycle events.
• Familiarity with PCI DSS requirements and secure payment data handling principles.
• Understanding of encryption, key management, API security, authentication, and access control mechanisms.
• Experience with REST APIs, JSON, payment messaging, and system integration testing.
• Familiarity with cloud-based payment platforms, microservices architectures, and secure software development practices.
• Knowledge of payment fraud monitoring, transaction risk controls, and incident response processes.
• Proficiency in technical documentation, system analysis, and troubleshooting.
• Strong analytical and problem-solving skills with exceptional attention to detail.
• Ability to communicate technical requirements effectively to banking, payment, cybersecurity, and software development teams.
• Ability to manage multiple integration projects and operational priorities in a fully remote environment.

What We Offer

• Fully remote working arrangement within the stated UAE-based role framework.
• Opportunity to contribute to secure digital payment infrastructure and tokenization innovation.
• Collaboration with payment technology, banking, cybersecurity, and software engineering professionals.
• Exposure to card network tokenization standards, digital wallets, and modern payment platforms.
• Opportunities for professional development in payment security and financial technology.

How to Apply

Interested candidates should submit an updated CV highlighting their payment tokenization experience, digital payment integration expertise, cybersecurity knowledge, and familiarity with relevant card network standards.

Application Subject: Application – Senior Payment Tokenization Specialist (UAE Remote)

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. This is a fully remote technical architecture, integration support, security review, transaction analysis, and documentation role. Physical operation of payment infrastructure, secure hardware management, and on-site system installation must be performed by qualified local personnel where required. Production key custody, privileged security administration, formal PCI compliance attestations, regulated payment service approvals, and binding security or financial risk acceptance must remain with appropriately authorized personnel in accordance with applicable regulations and organizational controls.