Xpate
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 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: You'll work with scheme rules, operational updates, reporting obligations, and cross-functional stakeholders, in an environment where your attention to detail, ownership, and ability to keep things organised have a direct impact. Comprehensive compensation package A competitive salary, based on your experience and expertise. Tools and flexibility to succeed Flexible working hours and hybrid work options. Private health insurance and paid time off. Top of the line Apple equipment to support your work. Ownership, impact, and growth Ownership of scheme related trackers, documentation, reporting, and operational coordination. Direct involvement in Visa and Mastercard processes, requirements and business critical updates. A collaborative culture where accuracy, improvement, and professional growth are supported. We're building the financial backbone of the future - where payments are monitored intelligently, risks are detected early, and businesses scale safely. If you want ownership, real fintech complexity and room to grow across fraud and AML, 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.
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 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: You'll work with scheme rules, operational updates, reporting obligations, and cross-functional stakeholders, in an environment where your attention to detail, ownership, and ability to keep things organised have a direct impact. Comprehensive compensation package A competitive salary, based on your experience and expertise. Tools and flexibility to succeed Flexible working hours and hybrid work options. Private health insurance and paid time off. Top of the line Apple equipment to support your work. Ownership, impact, and growth Ownership of scheme related trackers, documentation, reporting, and operational coordination. Direct involvement in Visa and Mastercard processes, requirements and business critical updates. A collaborative culture where accuracy, improvement, and professional growth are supported. We're building the financial backbone of the future - where payments are monitored intelligently, risks are detected early, and businesses scale safely. If you want ownership, real fintech complexity and room to grow across fraud and AML, 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.
Xpate
Remote office, Europe, Malta, Riga, Serbia, United Kingdom Full-time At xpate, we are building modern payment infrastructure for businesses operating across borders. Our platform combines acquiring, banking, compliance, and automation into a single ecosystem that helps companies scale globally. We are looking for a System Analyst who is comfortable working in complex technical environments and can bridge business needs with engineering execution. This role requires strong analytical thinking, solid understanding of fintech and payment systems, and the ability to translate product and business goals into clear technical requirements. Your role at xpate: Analyze, document, and continuously improve our acquiring platform, banking rails, and payment infrastructure. Work closely with Product, Engineering, and business stakeholders to translate business requirements into clear system requirements, technical specifications, and solution designs. Participate in the integration of new payment providers, banking partners, and external services. Define system workflows, data flows, API requirements, integration logic, and acceptance criteria for new and existing product initiatives. Collaborate with engineering teams to design solutions for current technical challenges and future business goals. Review technical implementation details where needed, including API contracts, data models, logs, and, when relevant, code-level logic. Contribute to improvements in scalability, reliability, automation, and operational efficiency across payment and banking processes. Prepare and maintain high-quality documentation, including functional specifications, process diagrams, user stories, acceptance criteria, API documentation, and technical notes. Identify opportunities for automation, process optimization, and platform improvements. Support delivery by clarifying requirements, validating implemented solutions, and ensuring alignment between business objectives and technical execution. Contribute to an ambitious product roadmap in a fast-growing fintech environment. We're ready to meet you, if 3+ years of experience as a System Analyst, Business Systems Analyst, or Solution Analyst, preferably in fintech, payments, banking, or financial systems. Strong experience documenting business processes, system integrations, APIs, technical workflows, and solution logic. Solid understanding of payment processing, card acquiring, banking integrations, or financial infrastructure. Experience working closely with software engineers in product teams. Good understanding of AWS services and cloud-based architectures. Experience with services such as DynamoDB, Lambda, Aurora DB, SQS, EventBridge, or similar tools is a strong advantage. Ability to read technical documentation, analyze API behavior, understand data flows, and work with technical implementation details. Ability to review code logic or technical implementation at a basic level is a plus. Strong analytical thinking and the ability to break down complex technical problems into clear requirements and practical solutions. Experience with Jira, Confluence, BPMN, UML, sequence diagrams, or similar documentation and modelling tools. Strong communication skills and confidence working with both technical and non-technical stakeholders. English level B2+ or higher, as you will work in an English-speaking team. High personal ownership, proactive mindset, and genuine motivation to build and improve products. Practical experience using AI tools to speed up analysis, documentation, problem-solving, or research. What working at xpate looks like: A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker. Enjoy flexible working hours, hybrid / remote work options, private health insurance and generous paid time off giving you the balance you need to perform at your best. Apple hardware and modern work tools to support your workflow. Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off. Private health insurance and wellness benefits. Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem. You will join a fintech product with ambitious business goals, complex technical challenges, and a substantial roadmap. This is an opportunity to work on real payment infrastructure, influence system design, and contribute directly to the development of scalable acquiring and banking solutions. 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.
Remote office, Europe, Malta, Riga, Serbia, United Kingdom Full-time At xpate, we are building modern payment infrastructure for businesses operating across borders. Our platform combines acquiring, banking, compliance, and automation into a single ecosystem that helps companies scale globally. We are looking for a System Analyst who is comfortable working in complex technical environments and can bridge business needs with engineering execution. This role requires strong analytical thinking, solid understanding of fintech and payment systems, and the ability to translate product and business goals into clear technical requirements. Your role at xpate: Analyze, document, and continuously improve our acquiring platform, banking rails, and payment infrastructure. Work closely with Product, Engineering, and business stakeholders to translate business requirements into clear system requirements, technical specifications, and solution designs. Participate in the integration of new payment providers, banking partners, and external services. Define system workflows, data flows, API requirements, integration logic, and acceptance criteria for new and existing product initiatives. Collaborate with engineering teams to design solutions for current technical challenges and future business goals. Review technical implementation details where needed, including API contracts, data models, logs, and, when relevant, code-level logic. Contribute to improvements in scalability, reliability, automation, and operational efficiency across payment and banking processes. Prepare and maintain high-quality documentation, including functional specifications, process diagrams, user stories, acceptance criteria, API documentation, and technical notes. Identify opportunities for automation, process optimization, and platform improvements. Support delivery by clarifying requirements, validating implemented solutions, and ensuring alignment between business objectives and technical execution. Contribute to an ambitious product roadmap in a fast-growing fintech environment. We're ready to meet you, if 3+ years of experience as a System Analyst, Business Systems Analyst, or Solution Analyst, preferably in fintech, payments, banking, or financial systems. Strong experience documenting business processes, system integrations, APIs, technical workflows, and solution logic. Solid understanding of payment processing, card acquiring, banking integrations, or financial infrastructure. Experience working closely with software engineers in product teams. Good understanding of AWS services and cloud-based architectures. Experience with services such as DynamoDB, Lambda, Aurora DB, SQS, EventBridge, or similar tools is a strong advantage. Ability to read technical documentation, analyze API behavior, understand data flows, and work with technical implementation details. Ability to review code logic or technical implementation at a basic level is a plus. Strong analytical thinking and the ability to break down complex technical problems into clear requirements and practical solutions. Experience with Jira, Confluence, BPMN, UML, sequence diagrams, or similar documentation and modelling tools. Strong communication skills and confidence working with both technical and non-technical stakeholders. English level B2+ or higher, as you will work in an English-speaking team. High personal ownership, proactive mindset, and genuine motivation to build and improve products. Practical experience using AI tools to speed up analysis, documentation, problem-solving, or research. What working at xpate looks like: A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker. Enjoy flexible working hours, hybrid / remote work options, private health insurance and generous paid time off giving you the balance you need to perform at your best. Apple hardware and modern work tools to support your workflow. Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off. Private health insurance and wellness benefits. Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem. You will join a fintech product with ambitious business goals, complex technical challenges, and a substantial roadmap. This is an opportunity to work on real payment infrastructure, influence system design, and contribute directly to the development of scalable acquiring and banking solutions. 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.
Xpate
We're hiring a hands on Backend Developer to build and ship production serverless services for a fintech platform. Languages: TypeScript, Node.js (18-22) AWS: Lambda, DynamoDB, S3, SQS, EventBridge, Step Functions Frameworks / middleware: Serverless Framework, Middy Libraries: Zod (schemas/validation), Winston (logging), AWS X Ray (tracing), Luxon (dates) Tooling: ESLint, Prettier, Terraform, GitHub Actions Your role at xpate: Build and evolve Lambda first microservices that handle real money flows and integrations. Design REST APIs with type safe schemas (Zod) and contracts that don't rot. Model data in DynamoDB (access patterns first) and use PostgreSQL when relational fits better. Ship event driven workflows with SQS/EventBridge/Step Functions: retries, idempotency, dead letters, backpressure. Ensure observability: structured logging (Winston), distributed tracing (AWS X Ray), actionable metrics. Write tests that protect releases (Mocha/Sinon), keep quality bars high, and reduce regressions. We're ready to meet you, if You have strong hands on backend engineering experience in TypeScript / Node.js. You have real AWS production experience - not "used Lambda once", but built, operated, debugged, and fixed systems in production. You have the ability to ship fast without trashing quality: clean code, predictable delivery, and solid engineering fundamentals. You use AI tools daily to accelerate output (coding, debugging, analysis) and improve outcomes. You have English at B2+ level (the team is English speaking). What working at xpate looks like: A competitive salary (depending on what you bring). Everything you need to succeed, with flexibility built in - from flexible hours and hybrid/remote work options to private health insurance and paid time off. Top of the line Apple gear to fuel your work. A workspace designed for focus and collaboration. Ownership of your work end to end, with the freedom to move fast and make a real impact. Celebrated wins, opportunities to grow and a culture where voices are heard and chances to grow are ever present. We're building the financial backbone of the future, where payments move freely and businesses thrive 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.
We're hiring a hands on Backend Developer to build and ship production serverless services for a fintech platform. Languages: TypeScript, Node.js (18-22) AWS: Lambda, DynamoDB, S3, SQS, EventBridge, Step Functions Frameworks / middleware: Serverless Framework, Middy Libraries: Zod (schemas/validation), Winston (logging), AWS X Ray (tracing), Luxon (dates) Tooling: ESLint, Prettier, Terraform, GitHub Actions Your role at xpate: Build and evolve Lambda first microservices that handle real money flows and integrations. Design REST APIs with type safe schemas (Zod) and contracts that don't rot. Model data in DynamoDB (access patterns first) and use PostgreSQL when relational fits better. Ship event driven workflows with SQS/EventBridge/Step Functions: retries, idempotency, dead letters, backpressure. Ensure observability: structured logging (Winston), distributed tracing (AWS X Ray), actionable metrics. Write tests that protect releases (Mocha/Sinon), keep quality bars high, and reduce regressions. We're ready to meet you, if You have strong hands on backend engineering experience in TypeScript / Node.js. You have real AWS production experience - not "used Lambda once", but built, operated, debugged, and fixed systems in production. You have the ability to ship fast without trashing quality: clean code, predictable delivery, and solid engineering fundamentals. You use AI tools daily to accelerate output (coding, debugging, analysis) and improve outcomes. You have English at B2+ level (the team is English speaking). What working at xpate looks like: A competitive salary (depending on what you bring). Everything you need to succeed, with flexibility built in - from flexible hours and hybrid/remote work options to private health insurance and paid time off. Top of the line Apple gear to fuel your work. A workspace designed for focus and collaboration. Ownership of your work end to end, with the freedom to move fast and make a real impact. Celebrated wins, opportunities to grow and a culture where voices are heard and chances to grow are ever present. We're building the financial backbone of the future, where payments move freely and businesses thrive 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.