JOB DETAILS
Card Schemes Operations Specialist
Companyxpate
LocationRiga
Work ModeOn Site
PostedJuly 30, 2026
About The Company
xpate is the payments provider built for fintechs and digital SMEs that makes it easier to pay, get paid and keep money flowing.
xpate combines card payments, FX and banking services into one unified account, to give modern businesses simple and transformative access to critical financial tools. By facilitating this vital link, we enable digital businesses to thrive, scale, and drive innovation with confidence.
Through xpate technology, expertise and partnerships, customers get faster access to liquidity, accelerated business growth and reduced financial risk.
Our global team of industry experts empower businesses every day to simplify their payments, control their cash flow and accelerate their growth.
About the Role
As a Card Schemes Operations 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 reports.
- Coordinate and manage responses to requests, enquiries, and investigations from card schemes.
- Maintain internal registers, trackers, and operational records, ensuring that 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…
- At least 1 year’s experience in card payments, card acquiring, payment operations, or a similar payments environment.
- Good understanding of the 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 organisational skills.
- Strong written and verbal communication skills in English.
- Ability to manage multiple priorities and work independently in a fast-paced environment.
- Experience using Confluence, Jira, or similar documentation and collaboration tools would be advantageous.
What working at xpate looks like:
A dynamic work environment with real ownership, practical challenges, and continuous learning opportunities.
The opportunity to work on 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.
Close collaboration with compliance, risk, product, operations, finance, and IT teams.
A chance to contribute to a modern legal function supported by automation, structured data, and scalable workflows.
A collaborative team 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 real impact, freedom to innovate, and work that drives change, 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.
Key Skills
Card paymentsCard acquiringPayment operationsVisaMastercardComplianceReportingAnalytical skillsProblem-solvingCommunication skillsConfluenceJiraDocumentationRisk managementOperational efficiency
Categories
Finance & AccountingTechnologyLegalAdministrative
Benefits
Private health insurancePaid time offFlexible working hoursHybrid working model
Job Information
📋Core Responsibilities
The Card Schemes Operations Specialist acts as a liaison between the company and card schemes to ensure compliance with Visa and Mastercard regulations. They are responsible for monitoring scheme bulletins, managing internal documentation, and coordinating mandatory reporting and investigations.
📋Job Type
permanent employee
📊Experience Level
2-5
💼Company Size
80
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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