Payments Technical Product Owner
Garanti BBVA International (GBI) is seeking an experienced Payments Technical Product Owner in its Technology organization to support its Retail Banking Modernization Program. The role will own the functional and technical definition of payment capabilities for natural persons and SMEs, covering SEPA Credit Transfers, SEPA Instant Payments, Direct Debits, WERO/iDEAL, Apple Pay, Google Pay and PSD2/Open Banking services.
The successful candidate will translate customer, business, operational and regulatory needs into a clear product roadmap and prioritized backlog, define end-to-end payment journeys and requirements, and work closely with business, technology, operations, compliance, risk and implementation partners to ensure successful delivery and launch.
This is a role where you can grow professionally, contribute to the future of banking and become part of our innovative and forward-thinking team!
Your role:
Key Responsibilities:
Technical Product Ownership and Roadmap Management: Deliver the payments product vision, roadmap and prioritized backlog, balancing customer value, regulatory obligations, operational needs, dependencies and programme milestones. Translate business and regulatory requirements into epics, features, user stories and acceptance criteria and accept delivered functionality on behalf of the business.
Payment Journeys and SEPA Payments: Define end-to-end customer and operational journeys for SEPA Credit Transfers, SEPA Instant Payments and Direct Debits, including initiation, authorization, execution, payment statuses, limits, beneficiary management, notifications, returns, recalls, cancellations, reversals and exception scenarios. Ensure alignment with applicable European payment schemes and market practices.
WERO/iDEAL and Open Banking: Deliver the business requirements and customer journeys for WERO/iDEAL and PSD2/Open Banking capabilities, including payment initiation, account information services, third-party provider access, Strong Customer Authentication, consent-related journeys and customer communications.
Apple Pay & Google Pay: Deliver product requirements and customer journeys for Apple Pay and Google Pay, including wallet enrolment, card provisioning, eligibility, tokenization, authentication and card/token lifecycle management. Coordinate requirements across mobile banking, card processing, payment providers, fraud/security platforms and operational teams and support certification and launch readiness.
Cross-Workstream and Vendor Coordination: Coordinate end-to-end requirements across Mobile and Digital Channels, Orchestration & Integration, Core Banking, Fraud/AML/Sanctions, Data & Reporting, Security and Operations. Work with payment providers, card processors, implementation partners, Garanti BBVA Technology and other third parties to ensure aligned and timely delivery.
Fraud, Sanctions and Payment Controls: Define payment-related business requirements for fraud prevention, sanctions screening, transaction monitoring, authentication, payment limits and digital wallet security controls in collaboration with Compliance, Risk, Fraud, AML and Security teams.
Payment Operations, Reconciliation and Exceptions: Work with Payment Operations to define processes for failed or rejected payments, investigations, returns, recalls, cancellations, reversals, reconciliation breaks and customer inquiries. Ensure payment statuses and financial movements are traceable across channels, payment providers and core banking systems.
Testing and Business Acceptance: Own business acceptance criteria and coordinate business participation in end-to-end payment testing, covering positive, negative, exception, reconciliation, fraud, sanctions and digital wallet scenarios. Support defect prioritization and ensure critical journeys are validated before production release.
Go-Live and Operational Readiness: Support release planning, cutover, operational readiness and hypercare. Confirm business readiness for launch and ensure material risks, exceptions, workarounds and operational procedures are understood and addressed.
Governance and Regulatory Compliance: Ensure payment requirements and product decisions remain aligned with applicable regulations and scheme requirements, including PSD2/PSD3/PSR, Strong Customer Authentication, SEPA and Instant Payments requirements, DORA, AML/sanctions obligations, card scheme rules and digital wallet security requirements.
Who are we looking for?
You are open-minded, naturally curious, and genuinely passionate about learning and making a positive impact. You enjoy taking ownership, embrace new challenges, and can balance multiple priorities while remaining calm under pressure.
You think proactively and are always one step ahead, looking for opportunities to improve the way things are done. Rather than focusing on problems, you look for solutions and enjoy working together with both colleagues and stakeholders to achieve shared goals.
You are empathetic, approachable, and customer-focused. You take the time to understand different perspectives, listen actively, and build strong relationships based on trust and respect. You believe that the best outcomes are achieved through collaboration and by putting the customer at the heart of every decision.
You are not afraid to question the status quo. You naturally think outside the box, ask "how" and "why," and enjoy navigating a fast-changing and complex environment with curiosity, adaptability, and resilience.
Above all, you believe that people are our greatest asset and actively contribute to maintaining and strengthening the unique culture of Garanti BBVA International. You embrace the richness of our multicultural environment, value diverse perspectives and backgrounds, and help create an inclusive workplace where everyone feels respected, supported, and empowered to grow. Through collaboration, trust, empathy, and a shared commitment to excellence, you help ensure that our unique blend of cultures remains one of our greatest strengths and enables us to succeed together as One Team.
Skills/Qualifications:
Strong knowledge of SEPA Credit Transfer, SEPA Instant Payments and SEPA Direct Debits, including payment lifecycle, exceptions, returns, recalls and reconciliation.
Experience with PSD2/Open Banking, Strong Customer Authentication and payment-related customer journeys.
Experience with European payment solutions; knowledge of WERO/iDEAL and the Dutch payments market is highly preferred.
Experience with Apple Pay, Google Pay or comparable digital wallet implementations, including card provisioning, tokenization and wallet lifecycle management, is strongly preferred.
Strong understanding of end-to-end payment processing across digital channels, payment platforms, core banking, fraud/sanctions controls and payment operations.
Experience translating complex business and regulatory requirements into epics, features, user stories and acceptance criteria, and managing a prioritized product backlog.
Experience defining business acceptance and testing for complex payment solutions, including negative and exception scenarios.
Understanding of API-based integration, modern cloud-native banking platforms, card processing and payment tokenization is preferred.
Experience with Agile/Scrum, Jira, Confluence, backlog refinement, sprint and release planning; SAFe experience is preferred.
Strong stakeholder and vendor management skills, with the ability to coordinate effectively across Business, Operations, Compliance, Risk and Technology.
Experience in the Dutch or wider European banking and payments environment is highly preferred.
8+ years of experience in in a Technology organization working in the areas of Payments, Transaction Banking, Retail Banking, Digital Banking or Payments Transformation, with significant experience in Technical Product Management or senior Business Analysis roles.
Education:
Bachelor's degree or master's degree in law, Finance, Business Administration
What we offer.
At Garanti BBVA International, you'll have the opportunity to make a meaningful impact while working in a diverse and international environment that values innovation, collaboration, and professional growth. We believe that our people are our greatest asset, and we are committed to supporting their wellbeing, development, and long-term success.
As part of our team, you can expect:
A unique opportunity to work in an international banking environment alongside talented professionals from diverse backgrounds.
30 vacation days to support a healthy cbalance.
A 13th-month salary as part of our attractive compensation package.
8% holiday allowance paid annually.
A company laptop and mobile phone to support flexible and efficient working.
An annual appreciation payment recognising your contribution and commitment.
A competitive defined contribution pension plan to help secure your future.
Access to collective health insurance benefits, including discounts on additional health insurance coverage.
A dedicated learning and development budget, together with unlimited access to Coursera's extensive learning platform, helping you continuously expand your knowledge and skills.
The opportunity to contribute to exciting transformation initiatives while accelerating your professional and personal growth.
Our organization:
Work at Garanti BBVA International
Garanti BBVA International (“GBI”) is a mid-sized European bank established in Amsterdam, the Netherlands since 1990 and serves to corporate and institutional and retail clientele. GBI is a wholly owned subsidiary of Turkiye Garanti Bankasi A.S. (Garanti) and has presence in Germany, Switzerland and Turkey. Our ultimate parent is BBVA. Aa dynamic “global boutique” bank, Garanti BBVA International offers fast, accurate, innovative, tailor-made and country-specific financial solutions in selected business lines though highly skilled and diverse talent management. We embrace creativity, are centered towards teamwork and oriented to create multicultural environment as we believe this to be a crucial element. Our vision is future-oriented and as a one big team GBI strives for corporate excellence and goal achievement. By joining our organization, you will find yourself constantly challenged and must be prone to apply out-of-the box thinking.
Life at Garanti BBVA International
GBI is a place for people who dream big and make their dream their goal. We look for people who will challenge the status quo in order to grow. We stand as one team, one family and together we are empowered to create our unique path, be agile, be curious and innovative. Strong partnerships ensure our success. Strong teams hold our foundation. We believe that diversity drives innovation and fosters personal development. We aim to create a working environment where employees are able to learn through support and coaching while contributing visibly to the success of bank.
Our Core Values
GBI is part of BBVA, an integrated and innovative financial institution that looks to the future, created with the mission of financing people’s dreams. That spirit continues to inspire us today and encourages us to transform people’s lives by helping them make the best decisions to fulfil their dreams. This mission is underpinned by our Purpose: “Support your drive to go further”. We live these values, which make us strong and allow us to achieve our purpose so we can keep creating opportunities.
Customer Comes First
We see our work from the customer's perspective, as we incorporate their point of view in every decision we make and always put their interests first. We meet our customer's needs in an agile way, overcoming any difficulties that arise.
Think Big
We want to amaze our customers with the best solutions to generate unique experiences. To achieve this, we set ambitious and inspirational challenges for ourselves, while questioning everything we do and posing new ways of doing things.
One Team
We are committed both to our individual role and the company's objectives as our own. We work as one team, trust our colleagues and break silos between units and hierarchical barriers.
Application:
If you are ready to join our team and contribute to the success of company, we encourage you to apply by submitting your resume and a cover letter.
Online Application: Click on the link below to access our online application portal and submit your application.
We appreciate your interest in our organization and look forward to reviewing your application. Should you have any questions or require further information, please don't hesitate to reach out.
Please note that we do not appreciate any acquisition efforts for this vacancy by recruitment agencies.