EMV Analyst

Key Responsibilities

Lead and manage EMV Certification projects (including Level 3 certifications) end-to-end, covering planning, execution, defect resolution, client coordination, and successful certification closure.
Interpret and apply EMV card and terminal specifications, including EMVCo, ISO 8583 messaging, and scheme brand rules (Visa, Mastercard, Amex, etc.), ensuring compliant and accurate implementations.
Design, create, and execute test plans, test cases, and execution strategies for EMV-enabled devices such as POS, mPOS, ATM, mobile, and softPOS platforms.
Utilize EMV test tools (e.g., BTT, ICC simulators, UL tools, and scheme certification tools) to simulate card, terminal, and host behavior; analyze results and raise defects.
Collaborate with acquirers, processors, vendors, card networks, and internal engineering/certification teams for onboarding, audits, and certification activities.
Maintain certification documentation, including test evidence, waiver approvals, execution logs, and certification status reports.
Track timelines, risks, and dependencies, provide stakeholder updates, and escalate issues proactively.
Troubleshoot issues related to authorization, clearing & settlement, host/acquirer message flows, and device integrations to ensure smooth production go-live.
Provide training and technical support to partners and vendors on EMV certification processes and tools.

Required Skills

Strong hands-on experience in EMV Certification and Testing, particularly Level 3 (End-to-End) certifications.
In-depth knowledge of EMV specifications, EMVCo, ISO 8583, and payment transaction flows.
Experience working with card schemes such as Visa, Mastercard, Amex, Discover, or UnionPay.
Proficiency with EMV test tools like BTT, ICC simulators, UL tools, and scheme-specific certification platforms.
Solid understanding of POS / mPOS / ATM / mobile payment device architectures.
Strong defect analysis, troubleshooting, and root cause analysis skills.
Excellent communication skills for client interaction, stakeholder management, and cross-team collaboration.
Ability to manage multiple certifications, priorities, and deadlines in parallel.

Nice-to-Have Skills

Experience with contactless (NFC), mobile wallets (Apple Pay, Google Pay), and tokenization.
Exposure to SoftPOS / Tap-to-Pay certifications.
Knowledge of PCI DSS, PCI PTS, or other payment security standards.
Prior experience working directly with acquirers, processors, or payment gateways.
Familiarity with certification portals (Visa VMP, Mastercard M-TIP, UL portals, etc.).
Experience in automation testing or scripting for payment testing environments.

Experience

5 to 8 years of experience in payments testing, EMV certification, or card payments domain.
Proven track record of successfully delivering EMV Level 3 certifications for payment devices or platforms.
Experience working in client-facing roles, coordinating with external stakeholders and regulatory bodies.
Background in banking, fintech, payment processors, or acquirer environments preferred.

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