AVP, Engineering Lead, WRB Tech (Credit Cards)

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Senior engineering lead for credit card technology at Standard Chartered, Kuala Lumpur.

Drive architecture, risk management, and cutting‑edge payment solutions.

Key Responsibilities

• • The role will be responsible to creating a roadmap for application which are robust and futuristic solutions for Credit Cards domain.
• • The role will be responsible for handling the Solution Architecture designing and delivery for the Credit Cards domain.
• • Will be responsible for developing solutions, stake holder management, vendor and financial management, developing project costs, and delivering the developed solutions.
• • Ability to Identifying and managing risks, including developing contingency plans to mitigate potential issues.
• • Knowledge on card issuing and transaction acquiring processing and standards.
• • Knowledge on CCMS Card link and C400 platform, ISO8583 messaging standard protocols.
• • Hand on experience with VISA, MasterCard Card, UPI and other national card schemes Issuing & Acquiring, Scheme compliance requirement.
• • Desirable to have knowledge on national schemes and processor integrations.
• • Knowledge about API’s (SOAP, JSON, REST..ETC) and Web Service Integration.
• • Knowledge about Back Office integration.
• • Knowledge about HSM protocols and configuration, Knowledge about encryption Keys/Cryptography both symmetric and asymmetric keys, 3DES, AES, SM4, SHA.
• • Familiarity with EMV technologies and standards, and PCI DSS and PA DSS standards.
• • Familiarity with Contact and Contactless technologies, Familiarity with 3DS and Tokenization standards.
• • Experience with an EFT transaction switching or on-line banking environment.
• • Hands-on experience with automated test tools and simulators.
• • Strong design and programming knowledge on Unix/Linux environment, Unix Shell Scripting 
• • Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)
• • Excellent verbal and written communication skills to technical and non-technical audiences of various levels in the organization
• • Willingly shares relevant technical and/or industry knowledge and expertise to other resources
• • Excellent problem-solving, team, and time management skills.
• • Resourceful and proactive in gathering information and sharing ideas.
• • Experience in banking or financial services industry.
• • Working experience in Cloud and Digital transformation projects is an advantage.
• • Good knowledge skill on open banking is a plus.
• • Ability to review the requirement, impact analysis, gap analysis, high level design, cost estimation, propose timeline, obtain project approval, and draft solution architecture/function spec/technical spec document.
• • Be an excellent leader, Subject matter expert on the technical and functional knowledge 
• • Good team collaboration, relationships within & outside POD to all levels of the organization Strong influencing, conflict resolution & negotiation skills.

Regulatory & Business Conduct

• • Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• • Effectively and collaboratively identify, elevate, mitigate and resolve risk, conduct and compliance matters.
• • Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

Skills and Experience

• • Knowledge of Credit Card Issuance/Management, Digital Channels interface, Encryption, HSM and ISO8583 messaging standards
• • Familiarity with EMV Contact/Contactless, VISA and MasterCard Card Issuing & Acquiring, Scheme compliance requirements
• • Experience with an EFT transaction switching and processing.
• • Familiarity on PCI DSS and PA DSS compliance requirements
• • Experience on Switch integration with VISA/Mastercard is mandatory. Others such as UPI, JCB and National switches.
• • Experience in Web Service integration and API’s
• • Knowledge of end-to-end systems development life cycles (i.e., waterfall, Agile and other modern approaches to software development)

Qualifications

• B TECH or BE or MBA grade in Computer Science/ Information Systems or related IT Area; 8 to 15 Years

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

• Never settle,  continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

• Are better together,  we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

• • In line with our Fair Pay Charter,  we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• • Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• • Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• • Flexible working  options based around home and office locations, with flexible working patterns.
• • Proactive wellbeing support  through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• • A continuous learning culture  to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• • Being part of an inclusive and values driven organisation,  one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Apply now

Information at a Glance

Job Skills

Key Skills  Agile Methodology Business Administration Business Transformation Relevant Skills Software Engineering Information Technology Elearning Risk Management Component Content Management System (CCMS) Web Services Simple Object Access Protocol (SOAP) Tokenisation Solution Architecture Restful APIs Self Motivation Mental Health Cloud Computing Knowledge of Finance Simulations Innovation Back Office E-Commerce Automation of Tests Geography Continuous Training Information Systems Cost Modeling Gap Analysis Time Management ISO 8583 Hardware Security Module Unix Shell Team Working Conflict Resolution High-Level Architecture Computer Programming Risk Analysis Cryptography Financial Management Regulatory Compliance Communication Skills Budgeting Skills PCI Data Security Standards Mentoring Perseverance Problem Solving Systems Development Life Cycle JSON Banking Services Impact Analysis Assertiveness