As a Visa & Mastercard Specialist, you will act as the key liaison between xpate and the card schemes, supporting operational, compliance, and reporting activities across our card business. You will be responsible for monitoring scheme requirements, coordinating responses to network requests, maintaining critical internal documentation, and ensuring that the organization stays informed and compliant with evolving Visa and Mastercard regulations. Your role at xpate: Monitor and interpret Visa and Mastercard bulletins, mandates, rule changes, and operational updates. Assess the impact of scheme changes and coordinate implementation with relevant internal stakeholders. Prepare and submit mandatory reports to Visa and Mastercard, including compliance, PCI DSS, quarterly, and other scheme-related reporting. Coordinate and manage responses to requests, inquiries, and investigations from card schemes. Maintain internal registers, trackers, and operational records, ensuring information remains accurate and up to date. Own and maintain internal knowledge bases and documentation, including Confluence pages and process documentation. Support internal teams with scheme-related guidance and best practices. Collaborate with Product, Operations, Compliance, Finance, Risk, and Engineering teams to ensure alignment with scheme requirements. Contribute to process improvements and operational efficiency initiatives within the card business. We’re ready to meet you, if… 1+ years of experience in card payments, card acquiring, payment operations, or a related payments environment. Good understanding of Visa and Mastercard ecosystems, products, and operational processes. Familiarity with scheme rules, compliance requirements, and reporting obligations. Strong analytical and problem-solving skills with the ability to investigate and interpret complex operational matters. Excellent attention to detail and organizational skills. Strong written and verbal communication skills in English. Ability to manage multiple priorities and work independently in a fast-paced environment. Experience working with Confluence, Jira, or similar documentation and collaboration tools is an advantage. Nice to Have Experience working directly with Visa, Mastercard, processors, or acquiring partners. Understanding of card acquiring Experience within a fintech, payments, or regulated financial services environment. What working at xpate looks like: A dynamic environment with real ownership, practical challenges, and continuous learning opportunities. The opportunity to lead meaningful projects involving real fintech infrastructure in a regulated international environment. Flexible working hours and a hybrid working model. Private health insurance. Paid time off and additional company benefits. The opportunity to improve how complex, cross-functional initiatives are planned and delivered. A collaborative culture where initiative, curiosity, and accountability are valued. Why join xpate? We’re building the financial backbone of the future—where payments move freely and businesses grow without barriers. If you want to lead meaningful projects, shape how ideas become outcomes, and make a visible impact in an international fintech business, xpate is the place for you . About us xpate’s story xpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.