Product Manager – Identity Solutions

About the role

The Identity Solutions team in Europe seeks an experienced Product Manager to drive the development and commercialisation of next‑generation identity, authentication and fraud solutions. The role focuses on emerging identity technologies, payment authentication, tokenisation and the use of device, behavioural and identity signals to improve fraud detection and risk decisioning.

Key responsibilities

• Develop a detailed understanding of evolving payment, authorization and authentication journeys (network tokenisation, digital wallets, token provisioning, Click to Pay, passkeys, EMV 3‑DS) and identify opportunities for Mastercard to deliver value‑added identity, risk and fraud services.
• Assess points in the customer journey where additional data, risk intelligence or decisioning could improve security, fraud prevention, approval rates or customer experience.
• Collaborate with global product and technology teams to translate identified opportunities into new product concepts, requirements and roadmap priorities.
• Engage with issuers, banks, merchants, wallet providers and other ecosystem participants to validate problems and potential propositions.
• Monitor developments across passkeys, FIDO standards, wallet authentication, tokenisation and emerging payment credentials, assessing their implications for Mastercard’s services.
• Develop business cases and go‑to‑market strategies for new capabilities emerging from these workflows.

Required profile

• Experience working within a bank, issuer, payment network, fintech, 3DS vendor or payment technology company.
• Direct involvement in wallet provisioning, tokenisation or authentication implementation programmes.
• Strong understanding of PSD2, SCA, EMV 3‑DS and the European payments regulatory environment, including PSD3 and PSR developments.
• Familiarity with device fingerprinting, device reputation, behavioural biometrics, anomaly detection and risk‑based decisioning.
• Understanding of passkeys and FIDO‑based authentication and their role in future payment journeys.
• Experience across multiple European markets and ability to navigate complex regulatory and customer environments.

Required skills

• Network tokenisation
• Digital wallets
• Click to Pay
• EMV 3‑DS
• PSD2 and SCA compliance
• Device fingerprinting
• Behavioural biometrics
• Anomaly detection
• Risk‑based decisioning
• FIDO authentication standards