Product Manager, Card Authentication

Summary

I’m amazed at the growth and innovation at Apple, where we become know for developing the longest partnership with our patience. At Apple, new ideas quickly turn into extraordinary products, services, and customer experiences. You’ll find a culture that celebrates passion, dedication, and innovative thinking, and you will be rewarded for what you build. The people here don’t just construct products—they build wonders that have revolutionised entire industries.

It’s the diversity of people and ideas that inspires the innovation that runs through everything we do, from amazing technology to industry‑leading environmental efforts. Join Apple, and help us leave the world better than we found it.

We are seeking a payments authentication expert to join a dynamic team of product managers within Wallet, Payments, and Commerce. In this role, you will be instrumental in building the next generation of payment authentication solutions for eCommerce. You will be a key contributor to ensuring our customers can seamlessly and securely access our services.

• Lead the product vision and strategy for payment authentication, focusing on technologies such as 3DS (3‑D Secure) and related emerging technologies.
• Lead the integration and launch of new local card schemes, ensuring compliance with regional regulations and payment network requirements.
• Drive the implementation and optimization of advanced authentication solutions, including 3DS, to enhance security and reduce fraud.
• Analyze card payment and authentication performance, identify areas for improvement, and implement solutions to enhance conversion rates and customer satisfaction.
• Collaborate closely with engineering, product, legal, and business teams to define requirements, develop solutions, and ensure successful deployment.
• Stay abreast of the latest trends and technologies in payments and authentication, and propose innovative solutions to deliver the best possible customer experience.

• 5+ years of experience in the payments industry, with a focus on card payment authentication. This includes deep understanding of authentication protocols and technologies, such as EMVCo 3DS specification.
• Experience with integrating and launching new local card payment methods in different regions.
• Ability to think strategically and implement tactically, a persistent attention to detail, and a high level of comfort in cutting through ambiguity.
• Outstanding analytical capabilities, business savvy, and leadership skills.
• Bachelor’s degree in Computer Science, Statistics, Mathematics, Engineering, Information Systems, or a related field.

• Demonstrated ability to conceptualize and deliver end‑to‑end payment authentication experiences, from strategy through launch and iteration.
• Excellent written and verbal communication skills, with the ability to clearly articulate vision, strategy, and details to diverse business partners.
• Ability to analyze payment data to find opportunities for optimization.
• Bachelor’s degree or equivalent experience.

Base pay is one part of our total compensation package and is determined within a range. The base pay range for this role is between $172,100 and $305,600, and your base pay will depend on your skills, qualifications, experience, and location.

Apple employees also have the opportunity to become Apple shareholders through participation in Apple’s discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards and can purchase Apple stock at a discount if voluntarily participating in the Employee Stock Purchase Plan.

You’ll also receive benefits including comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses— including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation.

Apple benefit, compensation, and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant.

Apple accepts applications to this posting on an ongoing basis.