Our Purpose

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary

3DS Product Manager

Job Title: Manager, EMV 3DS product management, Europe
Location: Lisbon, Warsaw

• Business Unit: Europe
• Core Payments – Digital Payments
• Authentication

Position Overview:

The Manager of EMV 3DS Authentication Europe will own the regional strategy, product roadmap and performance/revenue KPIs of Mastercard’s EMV 3DS authentication product (Identity Check). The Manager will be accountable for driving product innovation across strong customer authentication (including new authentications such as passkeys or EUDI wallet based authentication methods through 3DS) and risk-based authentication, ensuring Mastercard remains the trusted leader in seamless and secure digital transaction experiences.
Manager is responsible for aligning global authentication product capabilities with European digital payments strategy (including Mastercard Checkout Services such as merchant tokenization and Click to Pay, …), regulatory requirements (PSD3/PSR, EUDI), local customer needs (issuer/acquirer/merchant/3DS/ACS), and market-specific dynamics to enable authentication experiences that have low friction, high security and are compliant with regulations.
The manager will partner deeply with global product/engineering, authentication market product management, regulatory affairs, analytics, optimization, commercialization and customer technical delivery teams.

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Key Responsibilities:

• 1. EMV 3DS Product Strategy & Operations
• Define and lead the European regional product strategy for ID Check, aligned to broader digital payment strategy and solutions, revenue targets and evolving technologies and regulations (mainly PSD3/PSR, eiDAS)
• Own multi-year product roadmaps focused on product optimization and growth, set network standards/mandates
• Own KPIs including revenue growth, authentication & fraud performance, authorization approval rate and create visibility through executive-level dashboards and reporting.
• Drive go-to-market strategy for new products/features in collaboration with Global Product and regional market teams.
• Develop authentication pricing strategy to support growth and performance

Regulatory & Authentication Standards Leadership:

• Serve as the European subject-matter expert on Strong Customer Authentication (SCA) / Transaction Risk Analysis (TRA) as defined under PSD/PSR. Awareness of eiDAS 2.0/EUDI and relevance to EMV 3DS authentication solutions.
• Develop and execute a roadmap aligned to European regulatory evolution (PSD3/PSR, eiDAS2.0/EUDI)
• Act as a strategic partner to regulatory affairs and public policy teams, regulators, industry bodies, and working groups
• Set authentication/network standards in response to regulatory and product changes

Customer & Stakeholder Relations:

• Build relationships with specific market stakeholders such as top 3DS/ACS servers and related issuer/acquirer/merchants
• Partner with authentication market & optimization teams to achieve targets, supporting the teams with product training, storytelling and product value propositions
• Partner with Global product/engineering teams to ensure products meet European requirements
• Act as a regional spokesperson at conferences, Academy on the Web, trainings and industry forums

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• Required Experience & Qualifications
• Interest in payment authentication technologies (EMV 3DS, biometrics, FIDO2 Web Authn / SPC passkeys, risk based authentication)
• Knowledge of European payments & identity regulations (mainly PSD2/PSD3,PSR)
• Experience working with or within payment networks, issuing banks, Fintechs, 3DS/ACS server, identity providers, or large-scale digital platforms

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard’s security policies and practices;

• Ensure the confidentiality and integrity of the information being accessed;

• Report any suspected information security violation or breach, and

• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.