POS Engineer at Payzeep

ROLE SUMMARY

• The Lead POS oversees field operations, business development activities, terminal lifecycle management, and partnerships while ensuring compliance with regulatory requirements and company policies. The role collaborates closely with Operations, Technology, Risk, Finance, and Customer Experience teams to deliver seamless POS services and achieve business objectives.

KEY RESPONSIBILITIES

• Strong understanding of ISO 8583 messaging standards and card transaction message flows.
• Ability to understand and troubleshoot common ISO 8583 messages, including 0200/0210, 0400/0410, 0800/0810, and relevant response/transaction codes.
• Familiarity with key ISO 8583 data elements/fields such as MTI, Processing Code, STAN, RRN, Response Code, POS Entry Mode, Terminal ID, Merchant ID, Transaction Amount, Track 2 Data, and ICC/EMV Data (Field 55).
• Understanding of how EMV data is carried within ISO 8583 messages, particularly DE55 (ICC System Related Data).
• Strong understanding of EMV (Europay, Mastercard and Visa) standards and chip-card transaction processing.
• Good knowledge of the EMV transaction flow, including application selection, CVM/PIN processing, terminal-card interaction, online/offline authorization, and EMV cryptographic data.
• Ability to troubleshoot EMV-related transaction failures, including issues involving AIDs, CAPKs, terminal parameters, CVM, cryptograms, and transaction configuration.
• Ability to trace a transaction across the POS → acquirer/processor → switch → issuer and identify where a transaction failure or decline originates.
• Ability to analyze transaction logs and ISO 8583 request/response messages when investigating failed, reversed, duplicated, timed out, or declined transactions.
• Familiarity with payment switches, processors, acquirers, issuers, and the interaction between POS terminals, payment applications, switches, and banking systems.
• Understanding of transaction reversals, advice messages, timeouts, duplicate transactions, reconciliation, and settlement-related issues
• Support negotiation and management of relationships with terminal vendors, payment processors, and service providers.
• Participate in product development initiatives and recommend enhancements to improve the POS offering.

EDUCATIONAL QUALIFICATIONS

• Bachelor's degree in Computer Science, Engineering, or a related field (required).

EXPERIENCE REQUIREMENTS

Total Relevant Experience: 5–8 years

Fintech / Financial Services Experience: 4+ years supporting infrastructure for fintech, banking or transaction-processing systems preferred

SKILLS & COMPETENCIES

• Strong understanding of POS acquiring business models and payment ecosystem operations.
• Proven experience in merchant acquisition, agent network management, and business development.
• Excellent knowledge of payment switching, transaction processing, and terminal management.
• Proficiency in Microsoft Office Suite and business intelligence/reporting tools.
• Strong analytical and problem-solving skills.
• Excellent communication and documentation abilities.
• High attention to detail and commitment to operational excellence.

REGULATORY CONSIDERATIONS (NIGERIA)

• Ensure POS operations comply with applicable CBN regulations, guidelines, and circulars.
• Supports compliance with the Nigeria Data Protection Act (NDPA) and relevant data security requirements.
• Ensures adherence to AML/CFT, KYC, consumer protection, and fraud prevention requirements