Senior Scheme Manager

11 hours ago

Malta Nium Full time €60,000 - €120,000 per year
Nium, the Leader in Real-Time Global Payments    Nium, the leading global infrastructure for real-time cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. Its payout network supports 100 currencies and spans 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 40 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore.
We're looking for a Senior Scheme Manager to join our rapidly growing Cards team. This role is critical to maintaining Nium's global issuing capabilities and ensuring we meet—and exceed—card scheme compliance standards across all markets. You will serve as the key interface between Nium and card networks (Visa, Mastercard, Discover), ensuring smooth operations, timely certifications, and zero tolerance for compliance breaches.    This is a high-impact, cross-functional role that touches compliance, operations, product, and technology—ideal for someone who thrives in detail, owns deadlines, and can translate scheme rules into actionable internal processes.  Responsibilities:
  • Secure and maintain scheme licences, BINs and product codes for all issuing lines (Visa, Mastercard, Discover) across Europe and APAC.   
  • Lead end-to-end certification of physical and virtual cards, including chip profile, tokenisation (Apple Pay / Google Pay) and mobile wallet compliance.   
  • Track every scheme bulletin; deliver rule, fee and interchange changes before deadline, achieving zero compliance breaches.   
  • Act as single point of contact with scheme account teams  
  • Orchestrate vendors (processor, personalisation bureau) so card launches hit quality gates and go-live dates.   
  • Publish clear internal manuals, SLAs and training decks so Ops, Risk and Product teams stay scheme-ready at all times.   
Requirements:
  • 6 years' experience in card issuing, network compliance, or scheme management roles at a fintech, bank, or processor. 
  • Deep expertise in card scheme operations, certifications, rule tracking, and BIN/product management. 
  • Proven ability to work across regions (especially Europe and APAC) and manage relationships with Visa, Mastercard, Discover, or similar. 
  • Strong project management skills and attention to detail—especially around regulatory or technical compliance deadlines. 
  • Excellent stakeholder communication and vendor management skills. 
  • Familiarity with card personalisation, mobile wallet provisioning, and EMV certifications is a strong plus. 
What we offer at Nium     We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work. 
We Care for Our Employees: The wellness of Nium'ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible working hybrid working environment (3 days per week in the office). 
We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.
We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more  
We Thrive with Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.     For more detailed region specific benefits :      For more information visit  
Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice located at 
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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