EMV Technical Test Lead at Discover

| Chicago
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Discover. A brighter future.

With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine.

Come build your future, while being the reason millions of people find a brighter financial future with Discover.

Job Description  

Executes R&D functions of design, development, testing, certification, and delivery activities for contact and contactless chip technologies, mobile payments, and other emerging technology-based solutions for card acceptance devices as well as payment devices. Writes new specifications (including functional features and security features), new test plans, certification requirements, or develops sample applications. Coordinates with vendors such as card and chip manufacturers, test laboratories, test tool providers, and mobile application developers for product development. These products are based on complex EMV technologies including Mobile Payments (Secure Element / HCE), Contactless (NFC), Secure Remote Commerce, 3D-Secure, Tokenization and any other initiative in Digital roadmap.

This role requires a technical understanding of one or more listed technologies above, developing test strategies and a knowledge of payment industry products and systems. This role also requires working experience with EMV test tools provided by UL, ICC Solutions, FIME and Galitt etc. This role also require candidate to get complete understanding on specifications to define testing strategy. This role also require that candidate should have good understanding about payment security standards and processes.

This individual will be responsible for leading the day-to-day activities overseeing the test strategies and certification processes for emerging payment technologies (including Mobile Applets/ HCE SDK, SRC, 3DS and QR). The role will be responsible for global payment product certifications and will work with Discover partners providing digital wallets and other e-commerce solutions, test labs and test tool vendors. The role will also be responsible for coordinating and communicating with internal stakeholders within product, operations and product delivery teams.


  • Creates high-level technical design documents and detailed technical specifications for new technology-based card acceptance devices and payment devices. 
  • Creates and maintains the test plans, test tools, and test procedures for new technology-based card acceptance devices and payment devices. 
  • Oversees the development of certification scripts and a certification process for multiple categories of payment technology vendors.
  • Participates in development of global standards and specifications for various global standards bodies (e.g. EMVCo). 
  • Responsible for understanding the D-PAS specifications of digital products and lead activities to develop the test strategy and test program aligned with the technical requirements.
  • Manages the vendor relationship for key external vendors like product providers, test tool vendors and testing labs.
  • Work with 3rd party test tool vendors to get functional test tool and/or framework develop in accordance with specifications and test plans.
  • Work with 3rd party security labs to perform security evaluations of D-PAS products.
  • Responsible for validating 3rd party test tools and accredit them as Discover approved tools to be used for external entities.
  • Day to day responsibility of managing internal/external stakeholders for certification and testing activities.
  • Support in the design and development of certification automation initiatives
  • Develop good understanding of the tools used in testing and support in testing activities internally as required
  • Collaborate with internal teams such as product, risk, specifications, etc. for requirements, development and keeping the teams informed of changes
  • Provide support in analyzing incidents and getting to resolution
  • Manage vendor relationship activities such as regular meetings with key vendors, support in vendor forum discussions and events
  • Research on industry trends and innovate internal testing approach

Minimum Qualifications 

At a minimum, here’s what we need from you: 

  • Bachelor's Degree in Engineering, Information Technology, or related field
  • 1+ year of experience as Payment Technology Engineer 
  • In lieu of a degree, 4+ years of experience as Payment Technology Engineer 

Preferred Qualifications 

If we had our say, we’d also look for: 

  • Experience in EMV, payments technology, mobile product testing expertise
  • 5+ years of testing experience preferably in payments domain
  • 1+ year of experience preferred in mobile product development or testing
  • Vendor management skills and ability to be understand the dependencies across multiple parties and resolve issues
  • Ability to drive process, project and results by influencing and collaborating with cross-functional stakeholders
  • Excellent analytical and problem-solving skills, ability to think out of the box and find alternate option to resolve issues
  • Strong planning and project management skills to manage multiple concurrent projects
  • Excellent verbal and written communication skills
  • Solid relationship management practices with the ability to build working relationships with internal and external stakeholders

#Remote #LI-BP1

What are you waiting for? Apply today!

The same way we treat our employees is how we treat all applicants – with respect. Discover Financial Services is an equal opportunity employer (EEO is the law). We thrive on diversity & inclusion. You will be treated fairly throughout our recruiting process and without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status in consideration for a career at Discover.

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We're headquartered in the northwest suburbs of Chicago and have a downtown Chicago office known as “The 606.”

An Insider's view of Discover

What’s the vibe like in the office?

The cool thing about working at Discover is the wonderful collaborative environment we have and all the smart, talented and fun people we work with every day to continuously work on innovations.


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What does your typical day look like?

I enjoy working at Discover because I get to work with and collaborate with talented people who are passionate about what they do, and together we get to help others. We work constructively and cross-functionally to provide the best and newest products for our users and provide exceptional support for our customers!


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How does the company support your career growth?

There are two reasons I enjoy working at Discover. First, I enjoy the challenging and meaningful work. Second, my career path at Discover is mine to shape. My managers have supported me when I wanted to learn more and move within the company.


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What is your vision for the company?

My vision of the company is that we create rewarding experiences in lives of our customers every day through analytics.


SVP, CDO Advanced Analytics Platforms

What’s the vibe like in the office?

I love working at Discover because of how the company invests in its people and innovation. The environment is encouraging and the smart people around you makes it an amazing experience every day!


Director, Digital Analytics

What are Discover Perks + Benefits

Discover Benefits Overview

Start enjoying great benefits Day 1 — We support you with the same dedication we bring to all of our customers. Our comprehensive benefits package features first-class insurance, financial planning support and excellent perks designed to help you reach your goals and live a rich, healthy life.

Check out more of our amazing employee benefits at mydiscoverbenefits.com

Volunteer in local community
Discover’s business is built on helping people, and we invest in the community (Blessing Backpacks, Boys & Girls Clubs, Big Brothers/Sisters) to demonstrate our commitment to a brighter future.
Partners with Nonprofits
Friends outside of work
Intracompany committees
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity manifesto
Someone's primary function is managing the company’s diversity and inclusion initiatives
Diversity Employee Resource Groups
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
You can open a separate Health Care FSA (HCFSA) and contribute up to $2,650 tax-free from your paycheck to reimburse yourself for eligible out-of-pocket expenses.
Disability Insurance
Employees receive Short-Term Disability Insurance at no cost.
Dental Benefits
Discover offers two dental plan options — Standard and Premier — both are administered by MetLife.
Vision Benefits
Discover offers two vision plan options — Standard and Premier through VSP.
Health Insurance Benefits
Discover offers a variety of medical plans for you and eligible family members, so that you can choose the benefit plan that suits your needs.
Life Insurance
As a Discover employee, you receive Basic Life Insurance of one times your HWEE (up to $500,000) at no cost to you.
Pet Insurance
Purchase medical coverage at a discounted rate for your beloved family pet. The more pets you insure, the greater the discount.
Wellness Programs
Help balance your work and personal life with a wide variety of free and discounted resource and referral services including family and relationship counseling and financial guidance.
Onsite Gym
Discover has fitness centers and Weight Watchers® programs at all five major locations.
Mental Health Benefits
Retirement & Stock Options Benefits
You may elect to contribute 1% to 30% of your eligible base salary, commissions and bonus on a pre-tax basis, up to IRS limits every year.
401(K) Matching
Discover matches up to 6% of the pre-tax contributions you make to the 401(k) Plan.
Employee Stock Purchase Plan
The ESPP provides eligible employees with an opportunity to purchase shares of Discover common stock through payroll deductions at a 5% discount.
Performance Bonus
Match charitable contributions
Child Care & Parental Leave Benefits
Child Care Benefits
Generous Parental Leave
Flexible Work Schedule
Remote Work Program
Family Medical Leave
Adoption Assistance
Discover helps eligible employees and their families with the costs of adoption by reimbursing certain expenses.
Vacation & Time Off Benefits
Generous PTO
Discover has a Paid Time Off of 4 to 5 Weeks of paid time per year.
Paid Volunteer Time
Paid Holidays
Discover provides 7 paid holidays.
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
When you enroll in the Commuter Benefits Program at WageWorks, you’ll save on taxes on mass-transit passes, parking and other eligible expenses.
Company Outings
Game Room
Recreational Clubs
Relocation Assistance
Professional Development Benefits
Job Training & Conferences
Tuition Reimbursement
Discover provides tuition reimbursement and a full-ride bachelor's degree program for select online degree programs.
Diversity Program
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Continuing Education stipend
Time allotted for learning
Online course subscriptions available
Paid industry certifications