Senior Card Payments Specialist
Company: Starling
Role summary
Senior Card Payments Specialist is a full-time role at Starling in London, England, United Kingdom (remote). Posted 2026-09-10. Experience level: 10+.
- Job title
- Senior Card Payments Specialist
- Company
- Starling
- Location
- London, England, United Kingdom
- Work arrangement
- remote
- Employment type
- full-time
- Category
- Software Engineering
- Experience level
- 10+
- Date posted
- 2026-09-10
Starling Bank is seeking a seasoned Senior Card Payments Specialist for a fully remote, full-time role. This is a fantastic opportunity to join a dynamic team and contribute to the success of a leading digital bank, offering a chance to shape and enhance their card payment offerings.
Job description
Starling is the UK’s first and leading digital bank on a mission to fix banking! We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way.
We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.
Our technologists are at the very heart of Starling and enjoy working in a fast-paced environment that is all about building things, creating new stuff, and disruptive technology that keeps us on the cutting edge of fintech. We operate a flat structure to empower you to make decisions regardless of what your primary responsibilities may be, innovation and collaboration will be at the core of everything you do. Help is never far away in our open culture, you will find support in your team and from across the business, we are in this together!
The way to thrive and shine within Starling is to be a self-driven individual and be able to take full ownership of everything around you: From building things, designing, discovering, to sharing knowledge with your colleagues and making sure all processes are efficient and productive to deliver the best possible results for our customers. Our purpose is underpinned by five Starling values: Listen, Keep It Simple, Do The Right Thing, Own It, and Aim For Greatness.
Hybrid Working
We have a Hybrid approach to working here at Starling - our preference is that you're located within a commutable distance of one of our offices so that we're able to interact and collaborate in person. In Technology, we're asking that you attend the office a minimum of 1 day per week.
About the Role
We are looking for a highly skilled Senior Card Payments Specialist to join our Payments Scheme team.
This is a senior, hands-on position for someone with approximately 15 years experience within banking and financial services, with deep specialist knowledge of card payments and card scheme requirements
This is not a team leadership or people management role. We are looking for an experienced individual who can operate at a senior level, provide trusted subject matter expertise and work closely with both technical and business teams as we continue to build and operate our banking and payments environment.
What you'll get to do
As a Senior Card Payments Specialist, you will act as a key subject matter expert (SME) for card payments, providing practical expertise across the design, build and on-going operation of our banking environment.
A key part of the role will be working closely with the engineering and technology teams to ensure card payment capabilities are designed and implemented correctly, with appropriate consideration given to card scheme rules, operational requirements , controls and compliance.
You will also provide senior subject matter expertise during incidents and operational issues, helping engineering and operational teams understand the payments impact, diagnose problems and determine the appropriate course of action.
Acting as a senior subject matter expert for card payments across the organisation
Providing specialist payments expertise during incidents service disruptions and other operational issues, supporting investigation, diagnosis and resolution
Working closely with engineers and technical teams building the banking and payment environment, translating card payment and scheme requirements into practical technical and operational requirements
Reviewing proposed solutions and implementations from a card payments perspective and identifying potential operationals, scheme or compliance issues
Ensuring card payment capabilities are designed and operated in accordance with applicable card scheme rules, standards and requirements.
Maintaining strong knowledge of relevant requirements from schemes success as Visa and Mastercard, including changes to scheme rules and standards
Providing expertise across the end to end card payment lifecycle, including authorisation, clearing and settlement
Providing specialist knowledge across issuing, acquiring, processing disputes, chargebacks and fraud
Working with banks, processors, payment service providers, card schemes and other third parties
Supporting appropriate operational controls, governance, risk management and regulatory compliance
Identifying and resolving complex card payment issues
Providing specialist input into payment projects, technical change and new banking products and capabilities
Advising colleagues and senior stakeholders on card payment matters, risks and requirements
We are looking for someone who can demonstrate:
Approximately 15 years experience within banking and or financial services
Significant hands on experience specifically within card payments
Deep knowledge of the end to end card payments lifecycle
Strong working knowledge of major card schemes, particularly Visa and Mastercard, and their associated rules and compliance requirements
Experience working alongside engineering, technology and architecture teams within banking payments environments
The ability to translate complex card scheme and payment requirements into language and requirements that technical teams can implement
Experience acting as a payments SME during incidents and complex operational issues
Strong understanding of issue, acquiring, processing, authorisation, clearing, settlement, disputes, chargebacks and fraud
Experience with EMV configurations, in-life testing, card stock and print management
Experience operating within regulated financial services environments
Strong understanding of payments risk, governance, controls and compliance
The confident to challenge proposed technical solutions where they may create payment, operational or scheme compliance risks