• Card System Daily Operations: Execute day-to-day operational tasks for the card system under the supervision of the Specialist — including batch job monitoring (settlement runs, clearing file generation, fee posting, statement generation), transaction health monitoring across QR, e-commerce, and mobile channels, interface status checks (CBS, payment gateway, embossing bureau, SMS gateway), and proactive system health checks (database storage, queue depth, batch job completion status, error rates).
• Incident Monitoring & First-Level Triage (L1): Monitor card system alerts and transaction error logs in real time; identify anomalies (authorization failure spikes, settlement discrepancies, batch errors, connectivity interruptions); perform initial log analysis using ISO 8583 message traces; log all incidents accurately in the ITSM system with full detail; escalate to the IT Card Operations Specialist (L2) with clear symptom description, impact assessment, and relevant log evidence; execute assigned resolution steps under Specialist guidance.
• NAPAS & Scheme Daily Operations: Execute NAPAS clearing and settlement file processing tasks (download, validate, upload, reconcile) per defined schedule and procedures; perform routine NAPAS connectivity checks; support dispute and chargeback processing under the direction of the Specialist;
• HSM & Key Management Support
• PCI DSS & Security Support: Execute assigned PCI DSS operational controls — access log review, user access reconciliation, patch status verification, antivirus/log monitoring checks; assist with evidence collection for quarterly internal scans and annual QSA audit; report any potential security incidents or policy violations to the Specialist immediately; ensure all card data handling follows PCI DSS procedures at all times.
• System Changes & Testing Support: Execute assigned change tasks for card system modifications under the direction of the Specialist — including CMS parameter updates, NAPAS scheme file deployments, and test environment preparation; execute SIT and regression test scripts as assigned; log defects accurately with full reproduction steps; perform post-change verification checks and report results to the Specialist; maintain test environment data in compliance with PCI DSS (no live card data in non-production).
• Operational Reporting & Documentation: Prepare daily and weekly card system operational reports (batch completion status, transaction error rate, system availability) based on defined templates; maintain and update operational checklists and shift handover logs; assist the Specialist in updating runbooks and troubleshooting guides when procedures change; during card implementation projects: execute assigned IT workstream tasks, prepare technical test documentation (test scripts, defect logs, test completion reports) under the Specialist's supervision, and contribute to UAT preparation and go-live readiness checklists.

Bằng cấp / Education

• Bachelor's degree or above in Computer Science, Information Technology, Information Systems, Electrical Engineering, or a related technical field.

Kinh nghiệm / Experience

• Minimum 2–3 years of hands-on IT experience in card payment systems at a bank, finance company, card processor, or payment institution
• Experience operating or supporting a live Card Management System (CMS) in a production environment
• Working knowledge of card operation domains (execution level, not design):

• • Card Management System (CMS): familiar with card lifecycle states (issuance, activation, replacement, cancellation), batch job execution, and basic CMS parameter lookup
  • Authorization & Switching: understands authorization flow and response codes; can read basic ISO 8583 message traces to identify transaction failures
  • Clearing & Settlement: can execute clearing file processing and reconciliation tasks following defined procedures
  • Card Lifecycle Management: understands end-to-end issuance workflow, embossing process, PIN mailer, and card bureau coordination
  • Dispute Management: understands chargeback workflow and can process routine dispute tasks under supervision
  • Revolving Credit Operations: basic familiarity with billing cycle, interest calculation, and instalment plan (EPP) concepts
• Basic knowledge of NAPAS host connectivity and clearing/settlement file operations
• Awareness of HSM operations and key management concepts (does not need to independently execute key ceremony — participates as second custodian under Specialist supervision)
• Basic PCI DSS awareness — understands card data handling rules, CDE boundaries, and can execute assigned compliance tasks
• Experience participating in card system implementation project tasks (SIT/UAT execution, defect logging, test environment support) is an advantage"

Ngoại ngữ / Foreign Language (English)

• Intermediate to Upper-Intermediate English proficiency (B2) — sufficient for reading operational procedures and technical runbooks, communicating with vendor support teams via email, and understanding NAPAS/Visa/Mastercard operational bulletins.

Kiến thức chung / General Knowledge

• Am hiểu tổ chức / Understanding of the organization: Familiar with the bank's card product portfolio and the role of the IT Cards & Payment team. Understands how IT operations support Card Operations, Fraud, and Finance business units. Follows team processes and escalation procedures correctly.
• Am hiểu sản phẩm của đơn vị / Understanding of the unit’s products: Working knowledge of NAPAS Domestic Credit Card product features: credit limit, billing cycle, revolving credit basics (minimum payment, interest, grace period), cash advance, and instalment plans (EPP). Understands card issuance and lifecycle states well enough to execute operational tasks and identify processing anomalies in daily operations.
• Am hiểu quy định/quy trình tác nghiệp trong đơn vị Understanding of operational regulations and procedures: Understands and follows NAPAS operational procedures, internal IT change management and incident management procedures, and PCI DSS card data handling rules. Can execute tasks according to defined runbooks and escalate correctly when deviations occur. Basic awareness of SBV regulations governing card operations.

Năng lực, kỹ năng chuyên môn / Professional Skills & Competencie

• Card Operations Execution Knowledge: Working knowledge of the card payment ecosystem at execution level — (1) CMS: understands card lifecycle states, can execute batch operations, read product parameters, identify card processing errors; (2) Authorization & Switching: can read ISO 8583 message traces, identify response code failures, and escalate with relevant log evidence; (3) Clearing & Settlement: can execute daily clearing file processing and reconciliation tasks following defined procedures, identify file format errors; (4) Card Lifecycle Management: familiar with issuance, activation, replacement, and cancellation workflows — can execute and verify each step; (5) Dispute Management: understands chargeback workflow, can process routine retrieval requests and dispute entries under supervision; (6) Revolving Credit: understands billing cycle, minimum payment,..
• Technical Standards Awareness: Basic to intermediate knowledge of card technical standards — ISO 8583 message structure (can read message traces and identify DE fields/response codes); NAPAS operational message formats (familiar, not required to author); EMV chip concepts; 3D Secure 2.x authentication flow awareness; HSM operations (PIN block processing, key injection) at execution level
• PCI DSS & Security Awareness: Working knowledge of PCI DSS requirements applicable to card operations — understands CDE boundaries, card data handling rules, and clean desk/screen procedures; can execute assigned compliance tasks (access log review, patch verification, antivirus monitoring checks); understands encryption and data masking requirements for card data at rest and in transit;
• IT Operations Skills: Proficient in Linux and Windows Server at an operational level (log reading, service status checks, scheduled job monitoring — not full system administration); basic SQL querying for card data investigation (SELECT/WHERE level); familiarity with monitoring tools (Zabbix/Grafana or equivalent) for reading dashboards and alerts; understands API/MQ concepts at a functional level to trace interface call failures; basic scripting awareness (Bash/Python) is an advantage; uses ITSM tools (ServiceNow or Jira Service Management) for incident logging and change request submission.
• Incident Logging & Change Execution: Accurately logs all incidents with full detail (symptom, impact, timeline, logs attached) in the ITSM system; follows defined incident triage checklists before escalating to L2; executes assigned change tasks per approved change plan under Specialist direction; performs post-change verification checks and reports results; maintains accurate shift handover logs and operational checklists.

Năng lực cốt lõi / Core Competencies

• Năng lực cốt lõi chung / General Core Competencies

• • Technical Attention to Detail & Accuracy: Executes operational tasks precisely following defined procedures; double-checks results before reporting; catches data anomalies in batch outputs and transaction reports; does not cut corners in production environments.
  • Communication & Escalation: Communicates clearly and promptly when escalating incidents to L2; provides complete, structured information (what happened, when, impact, logs) — no guessing; updates stakeholders on assigned task progress without needing to be chased.
  • Reliability & Discipline: Follows runbooks and procedures consistently; completes daily operational checklists without skipping steps; maintains accurate logs and records; flags deviations from normal immediately rather than self-resolving without authorization.
  • Eagerness to Learn & Grow: Actively learns card system operations from the Specialist; reads operational documents, runbooks, and scheme bulletins to build knowledge; asks questions to understand the 'why' behind procedures; takes initiative to improve operational checklists and documentation.
• Năng lực kỹ năng quản lý, lãnh đạo (áp dụng cho cấp từ trưởng nhóm trở lên) / Managerial & leadership competencies (Apply for team leader level and above).

• • Vendor & Team Coordination (Basic): Communicates effectively with vendor support teams for routine operational requests (log requests, patch schedules, certificate renewals) under the Specialist's direction; coordinates with Card Operations and Finance on routine daily operational tasks.
  • Task Planning & Prioritization: Can organize and prioritize own daily operational tasks effectively; manages routine concurrent tasks (monitoring, batch checks, incident logging) without supervision; flags capacity issues or conflicting priorities to the Specialist proactively.
  • Judgment on Escalation: Knows when to escalate vs. self-resolve; never makes unauthorized changes to production systems; applies correct severity classification when logging incidents; seeks guidance from the Specialist when facing unfamiliar situations rather than improvising.