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Riverwoods, IL

Principal, EMV Testing and Certification Specialist (Level 3) at Discover (Chicago, IL)

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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  

Responsible for leading the design, development, testing, certification and delivery activities for contact & contactless chip technologies, mobile payments and other emerging technology based solutions for card acceptance devices as well as payment devices. Manages areas of development of the product technology such as specifications development including functional features and security features, testing requirements, testing capabilities, certification requirements and certification program design. Manages relationships with vendors such as card & chip manufacturers, test laboratories, test tool providers, and mobile application developers, to enable support for the payment products.

The successful candidate will be the subject matter expert on EMV Level 3 Acquirer ETE end-to-end certification programs across Discover’s product verticals. They will also be responsible for ensuring that solutions put in place for EMV L3 ETE end-to-end certification and testing are effective across Discover Global Network including Diners Club International and PULSE.

This individual will be required to provide guidance to multiple internal teams and vendors that facilitate these certifications, and will specifically be responsible for the development and management of L3 test plans and test tools. He or she will likely also have a critical role in representing DFS at major emerging payments industry forums, possibly presenting at conferences, and will need to periodically communicate with the senior leaders of Discover and other organizations.


  • Manage design and development of new payment technologies for card acceptance devices and payment devices (such as contact & contactless chip, mobile & cloud based payments etc)
  • Create and maintain testing requirements and test procedures for new payment technology based products.
  • Develop certification requirements and compliance program new payment technology based products.
  • Manages participation of development in payment specifications within relevant standardization organizations. Communicates, educates and collaborates with stakeholders about new and updated standards and specifications.
  • Manages vendors and external partners to ensure delivery of the best quality services to Discover.
  • Create and maintain the test plans, test tools and test procedures for new, technology-based card/payment acceptance devices.
  • Understand the D-PAS specifications of digital products and lead activities to develop the L3 acceptance testing approach for alignment with the technical requirements.
  • Manage the vendor relationship with key external vendors such as L3 test tool providers and test labs (including organizing and hosting regular meetings with key vendors, support in vendor forum discussions and events)
  • Work with 3rd party test tool vendors to get functional test tools and/or frameworks developed in accordance with specifications and test plans
  • Validate 3rd party test tools and accredit them as Discover approved tools to be used by external entities.
  • Assist in the design and development of certification automation initiatives.
  • Learn and develop new skills in support of the function via self-learning, training, and industry standards participation (Knowledge of EMVCo testing standards).
  • Support the delivery of new EMV testing and certification capabilities/technology.
  • Leverage technology & partnerships for innovation, continuing to identify opportunities to streamline testing processes
  • Ensure close collaboration with internal partners (provide subject matter expertise in a wide variety of settings such sales meetings, internal development discussions, and other strategic decision-making sessions).
  • Act as an internal and external evangelist, expanding awareness of DFS advanced payment products and representing DFS at industry and client events. Deliver compelling presentations to all levels of internal and external management.

Minimum Qualifications 

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

  • Bachelor's Degree in Engineering, Information Technology, or related field 
  • 4+ years of experience as Payment Technology R&D, or similar 
  • In lieu of a degree, 8+ years of experience as Payment Technology R&D, or related field 

Preferred Qualifications 

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

  • Master's Degree in Engineering, Information Technology, or related field 
  • Significant experience in EMVCo/Smart Card technology, or a related field
  • CSCIP Smart Card certification
  • Proven client and vendor management skills, including ability to influence external partners to achieve results in tight timeframes
  • Demonstrated ability to manage strategic planning and goal setting, with a keen ability to prioritize.
  • Ability to drive results under pressure
  • Excellent presentation skills, including the ability to effectively deliver information to internal and external constituents at all levels
  • Strong analytical and problem-solving skills, ability to understand complex technical concepts.

#LI-BP1 #Remote

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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Where we are

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

Technology we use

  • Engineering
  • Product
  • Sales & Marketing
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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

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
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.
Company sponsored family events
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
Fitness Subsidies
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
Customized development tracks

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.


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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!


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