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 Associate Product Specialist, Product Management, 2027 Launch Graduate Program - Sydney, Australia Who is Mastercard? Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Through secure data, strategic partnerships, and innovative solutions, we help individuals, financial institutions, governments, and businesses realise their greatest potential. The Mastercard Launch Program is designed for early-career talent, offering an 18-month immersive experience to develop skills, gain cross-functional exposure, and work on impactful projects. Participants will be assigned to a business unit, receive hands-on mentorship, and grow through meaningful contributions. About Mastercard Payment Gateway Services Mastercard Gateway is the engine behind digital payments for some of the world's largest merchants, acquirers, and payment service providers. We process over 7 billion transactions annually across 255+ acquiring connections in 160+ countries, powering ecommerce, in-app, mobile, and in-store payments through a single, secure platform. Our product teams don't just maintain infrastructure - they shape how the world pays. From reducing decline rates and optimising approval performance, to securing every card-on-file transaction with network tokenisation, to authenticating payments with passkeys and 3D Secure - every product decision directly impacts the merchants and consumers who depend on us. We're looking for people who are curious, confident, and opinionated - not afraid to push their agenda when it serves our customers. People who communicate with clarity, lead with common sense, and use AI as a native tool in how they think and work Make an Impact as an Associate Product Manager As an Associate Product Manager, you'll work alongside experienced product managers, engineers, solution architects, and commercial teams to bring payment capabilities to market for a global customer base. You won't be watching from the sidelines - you'll be in the room, shaping decisions and owning outcomes In your first year, you will:• Launch features to market - own go-to-market plans for new product capabilities, from defining success criteria and building launch collateral through to tracking adoption and iterating based on customer feedback.• Work cross-functionally - collaborate with engineering, solution architecture, regional product delivery, commercialisation, and customer success teams in a matrixed, global organisation.• Get close to customers - understand merchant and acquirer pain points, translate them into product insights, and advocate for solutions that deliver measurable value.• Measure what matters - define and track OKRs, monitor product KPIs (approval rates, tokenisation penetration, authentication success rates), and propose optimisation strategies.• Use AI to accelerate your work - leverage AI tools to automate analysis, synthesise customer feedback, draft documentation, and enhance team productivity. As you grow, you will: • Own a product area end-to-end - take full lifecycle responsibility for a capability within your track: framing the problem, defining requirements, prioritising the backlog, partnering with engineering on delivery, and driving commercialisation.• Gain technical depth - develop a working understanding of payment processing flows, API design, scheme protocols, and platform architecture so you can confidently discuss solution trade-offs with engineering.• Contribute to product strategy - participate in roadmap planning, competitive analysis, and Studio product lifecycle processes (Concept → Prototype → Market Test → Commercialise). What We're Looking For We recruit for and value the following - adapted for early-career professionals who are ready to make an outsized impact: • Curiosity & Conviction You ask "why" relentlessly and form your own point of view. You're not afraid to challenge assumptions - including those of people more senior than you - when you believe it serves the customer. You seek out complexity rather than shying away from it.• Communication & Common Sense You can explain a technical payment flow to a business stakeholder and articulate a commercial value proposition to an engineer - with equal clarity. You write well, present confidently, and know when to be concise versus when to go deep. You have the judgement to know what matters.• AI Native You don't just use AI - you think with it. You've built something with AI on your own: a side project, a tool, a website, an automation. You see AI as a force multiplier for how product teams work - from customer research and data analysis to documentation and stakeholder communication. You'll be expected to bring this mindset to the team from day one.• Bias for Action You'd rather ship and learn than wait for perfect information. You take initiative, seek responsibility, and deliver results - not just analysis. You're energised by the pace of a product team that launches capabilities used by hundreds of thousands of merchants globally.• Collaborative but Independent You value building long-term partnerships with colleagues, but you can work autonomously, manage ambiguity, and drive outcomes without constant direction. You thrive in a matrix organisation where influence matters more than authority.• Customer Empathy Natural empathy for customers shapes how you think about building and launching products. You instinctively put yourself in the shoes of merchants, acquirers, and consumers - and you're motivated by solving their real problems, not just shipping features.• Analytical Rigour You're comfortable with data - transaction volumes, approval rates, conversion metrics, revenue impact. You don't need to be a data scientist, but you should be able to interrogate a dataset, spot patterns, and turn numbers into actionable product decisions. Qualifications: - Undergraduate or Master's students graduating between July 2026 - Feb 2027 - Able to start work on 1 Feb 2027 (Start Dates are fixed) - Demonstrated interest in payments, fintech, digital commerce, or platform technology - Evidence of building something with AI (personal project, hackathon, startup, tool, or workflow automation) - Strong written and verbal communication skills - Analytical mindset with comfort in working with data Visa Sponsorship: Mastercard Australia cannot sponsor intern and full-time employment visas, and only candidates who possess full legal working rights in Australia will be considered (PRs & Citizens of AUS/NZ only). Why Mastercard Gateway?• Real impact from day one - you'll work on products used by 500,000+ merchant profiles across 160+ countries.• Technical depth meets commercial breadth - you'll learn how payment systems actually work, from API calls to scheme protocols to settlement flows, while also understanding the commercial dynamics that drive product decisions.• Mentorship and growth - you'll be supported by experienced product leaders across Processing, Digital, and Authentication domains, with structured development and organic learning opportunities.• Shape the future of payments - from agentic commerce and passkeys to payment optimisation and network tokenisation, you'll work on the technologies that are redefining how the world pays 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.

Role Description Under the supervision of the Accelerated Study Start-Up Program Manager, we are seeking a Regulatory Specialist II who will serve as a central resource for faculty conducting clinical research. The Regulatory Specialist II will be assigned to a dedicated portfolio of clinical divisions and their investigators working to facilitate study startup and maintenance of commercially sponsored clinical trials. Startup activities include: - Coordination of internal partners (study teams, central research administrative teams) and external partners (commercial sponsors, CROs) - Feasibility surveys - Coordination and initiation of contract and budget activities - Initial applications to the IRB and other regulatory agencies Maintenance activities include: - Regulatory activities over the duration of the study - Creating IRB submissions such as change in research, continuing review, protocol event report, etc. - Managing required documents in the electronic regulatory binder ensuring they are accurate and up to date Qualifications - Bachelor's Degree - Two years of experience in academic, government, or industry-based clinical research - Familiarity with NIH, GCP, OHRP, and federal regulations for human subject participation in clinical research - Additional education may substitute for required experience and additional related experience may substitute for required education beyond a high school diploma/graduation equivalent, to the extent permitted by the JHU equivalency formula Requirements - Facilitate accelerated study startup activities including feasibility surveys, coordination and initiation of contract and budget activities, initial applications to the IRB and other regulatory agencies - Ensure smooth implementation of new trials from conception through study activation - Monitor, track, and report critical study start-up milestones e.g., IRB activities, processing and finalization of contracts, drafting of a complete budget - Communicate with, and track activities led by, internal and/or external research team members and collaborators - Proactively monitor progress and remove barriers to study site activation - Serve as liaison between study teams and central research administrative teams - Anticipate and mitigate risks to study start up - Assess feasibility and operational needs of new studies - Attend study startup meetings - Complete IRB submissions for new studies, obtaining documents from the sponsor or creating all required documents as needed - Track each protocol through the IRB and subcommittee approval process, evaluate for recurrent problems, develop and implement systems to decrease delays in the approval process - Collect all required documents prior to study site activation including investigator and personnel medical licenses, CVs, and training documentation - Produce and maintain an electronic regulatory binder using Advarra eReg to manage all required documents for the entire duration of the study, ensuring they are accurate and up to date - Create IRB submissions such as change in research, continuing review, protocol event report, etc., as needed for the duration of the study Benefits - Starting Salary Range: $41,300 - $72,300 Annually ($60,000 targeted; Commensurate w/exp.) - Employee group: Full Time - Schedule: M-F/37.5 - FLSA Status: Exempt - Location: Remote - Department name: SOM Admin Res Clinical Research Contract - Personnel area: School of Medicine

Role Description Ciklum is looking for a Senior Product Management Specialist to join our team in Argentina or Brazil. As a Senior Product Management Specialist, you'll become a part of a cross-functional development team engineering experience of tomorrow. We are looking for a hands-on Senior Product Manager / Business Analyst with deep expertise in AI and Intelligent Automation to join our growing team across Latin America. This is a hybrid role that blends strategic product thinking with practical BA skills — you will own the product vision while also rolling up your sleeves to gather requirements, document scope, and work closely with engineering and data science teams to deliver high-impact solutions. You will act as the bridge between business stakeholders and technical teams, translating ambiguous business needs into clear, structured requirements and actionable product roadmaps. Your knowledge of AI, machine learning, and intelligent automation platforms will be essential in identifying opportunities, evaluating feasibility, and guiding end-to-end delivery. Responsibilities - Product Strategy & Roadmap - Define and own the product vision, strategy, and roadmap aligned to business objectives and market opportunities in LATAM. - Prioritize the product backlog using data-driven frameworks (MoSCoW, impact/effort) balancing stakeholder needs with technical feasibility. - Monitor market trends, competitor solutions, and emerging AI/automation technologies to inform product decisions. - Business Analysis & Requirements - Lead end-to-end requirements gathering through stakeholder interviews, workshops, surveys, and process observation. - Produce high-quality documentation including BRDs, FRDs, user stories, acceptance criteria, use cases, and process flows. - Define and document project scope, boundaries, assumptions, and constraints in detailed scope statements and SoWs. - Conduct gap analysis and as-is / to-be process mapping to identify automation and AI integration opportunities. - Manage requirement traceability matrices (RTMs) to ensure full coverage across development and testing phases. - AI & Intelligent Automation - Identify, evaluate, and champion use cases for AI, ML, NLP, and Intelligent Automation (RPA, IDP, conversational AI) across business units. - Define success metrics and evaluation frameworks for AI-powered features, including accuracy, latency, bias, and business KPIs. - Work with automation CoE and RPA teams on process documentation, and bot lifecycle governance. - Stakeholder & Delivery Management - Serve as the primary liaison between business stakeholders, product engineering, data, QA, and operations teams. - Facilitate sprint planning, backlog grooming, demos, and retrospectives in Agile/Scrum environments. - Communicate product progress, risks, and decisions clearly to both technical and non-technical audiences. - Support UAT planning and execution, ensuring delivered features meet defined acceptance criteria. Qualifications - 7+ years of combined experience in Product Management and Business Analysis roles. - Proven track record delivering AI, ML, or Intelligent Automation products from discovery to production. - Hands-on experience with requirements elicitation, scope documentation, and stakeholder management on complex projects. - Experience working in Agile/Scrum environments with cross-functional distributed teams. Requirements - Strong understanding of AI/ML concepts: supervised/unsupervised learning, NLP, LLMs. - Experience with process mapping/BPMN skills. - Familiarity with Intelligent Automation platforms such as UiPath, Automation Anywhere, Power Automate, or Blue Prism. - Proficiency in documentation tools: Confluence, JIRA, Miro, or equivalent. Desirable - Experience with Generative AI tools and LLM-based product development. - Background in industries prevalent in LATAM: healthcare, or Hi-Tech. - Exposure to MLOps practices, data governance, and responsible AI frameworks. Personal Skills - Exceptional written and verbal communication skills — able to convey complex concepts clearly at all levels. - Strong analytical and critical thinking skills with a structured, detail-oriented approach. - Collaborative mindset with the ability to influence without authority across cultures and time zones. - Fluent in English; professional proficiency in Spanish or Portuguese strongly preferred. Benefits - Care: your mental and physical health is our priority. We ensure comprehensive company-paid medical insurance and mental health programs, 5 undocumented sick-leave days per year. - Tailored education path: boost your skills and knowledge with our regular internal events (meetups, conferences, workshops), Udemy license, language courses and company-paid certifications. - Growth environment: share your experience and level up your expertise with a community of skilled professionals, locally and globally. - Long-term employment with 20 working-days paid vacation and local bank holidays. - Flexibility: 100% remote work mode. - Opportunities: we value our specialists and always find the best options for them. Our Internal Mobility Program helps change a project if needed to help you grow, excel professionally and fulfill your potential. - Global impact: work on large-scale projects that redefine industries with international and fast-growing clients. - Welcoming environment: feel empowered with a friendly team, open-door policy, informal atmosphere within the company and regular team-building events.

Title: Product Specialist (ISA & SIPP) Location: London, United Kingdom Job Description: Company Overview Interactive Brokers Group, Inc. (Nasdaq: IBKR) is a global financial services company headquartered in Greenwich, CT, USA, with offices in over 15 countries. We have been at the forefront of financial innovation for over four decades, known for our cutting-edge technology and client commitment. IBKR affiliates provide global electronic brokerage services around the clock on stocks, options, futures, currencies, bonds, and funds to clients in over 200 countries and territories. We serve individual investors and institutions, including financial advisors, hedge funds and introducing brokers. Our advanced technology, competitive pricing, and global market help our clients to make the most of their investments. Barron's has recognized Interactive Brokers as the #1 online broker for six consecutive years. Join our dynamic, multi-national team and be a part of a company that simplifies and enhances financial opportunities using state-of-the-art technology. About the Role We are seeking a highly analytical and commercially minded Product Specialist to join our Product Management team. This role will focus primarily on tax-efficient account types, with particular emphasis on Individual Savings Accounts (ISA) and Self-Invested Personal Pensions (SIPP). Reporting directly to the COO, you will be responsible for ensuring operational excellence across tax-efficient product controls, driving product enhancements to improve client experience, and identifying opportunities to foster business growth through product innovation. The role combines hands-on operational responsibilities—including control reviews, issue remediation, and management information oversight—with strategic product development activities aimed at maintaining competitive positioning in the UK retail investment market. This is an exceptional opportunity for a commercially aware professional with demonstrable ISA experience to take ownership of a critical product line within a high-growth, global financial services organization Key Responsibilities Product Control & Operational Oversight - Conduct first-line-of-defence monitoring of product controls and operational processes for ISA, SIPP, and European tax-efficient accounts (e.g., PEA, ISK, TBSZ). Perform and oversee regular control reviews to prevent, detect, and remediate issues including ineligible investments, over-contributions, and cash/in-specie transfer errors. - Develop and maintain control frameworks to ensure ongoing compliance with HMRC ISA regulations, FCA requirements, and relevant European tax authority rules. Escalate control breaches and coordinate remediation activities with Operations, Compliance, and Technology teams. - Monitor key performance indicators and management information related to tax-efficient account operations. Identify trends, anomalies, and areas requiring attention, producing regular reports for senior management. - Act as the primary point of contact for complex operational issues relating to UK tax-efficient accounts, coordinating resolution across Client Services, Operations, Tax, Legal and Compliance functions. - Product Enhancement & Client Experience - Drive continuous improvement of the client experience by identifying friction points across the client journey, including account opening, funding, transfers, trading, and withdrawals. - Project manage product enhancement initiatives from conception through implementation and post-launch review. Develop project plans including scope, timelines, resource requirements, dependencies, and risk mitigation strategies. - Coordinate cross-functional teams and manage stakeholder expectations across Technology, Operations, Compliance, Legal, and Commercial functions to deliver product improvements on time and within budget. - Develop and maintain product documentation including user guides, FAQs, training materials, and internal process documentation to support Client Services teams and enhance client self-service capabilities. - Conduct post-implementation reviews to capture lessons learned and drive continuous improvement in product delivery processes. - Business Growth & Strategic Development - Leverage product knowledge and market expertise to identify opportunities for business growth, including product feature enhancements, new client segment targeting, and competitive positioning improvements. - Analyse client behaviour and product usage data to identify opportunities for growth, cross-sell, and product optimization. Create and maintain management information dashboards to track client activity, product performance, and key metrics (account growth, AUM, revenue, engagement, retention). - Develop business cases for new products and features, including market sizing, revenue projections, and implementation requirements. Contribute to strategic planning and roadmap development for IBKR UK product offerings. - Qualifications & Experience Required - University degree in finance, economics, business, or related field. - Demonstrable experience working with UK Individual Savings Accounts (ISA), including strong understanding of ISA regulations, eligible investments, contribution limits, transfer rules, and HMRC reporting requirements. - 2-5 years' experience in a product management, operations, or control function within financial services (e.g., brokerage, wealth management, investment platform, or retail banking). - Strong analytical capabilities with ability to interpret complex data and generate actionable insights. - Proven ability to manage projects and coordinate cross-functional teams to deliver results. - Excellent stakeholder management skills across technical, commercial, and compliance functions. - Strong written and verbal communication skills with ability to produce clear documentation and present to senior management. - Fluent in English. - Highly Desirable - Knowledge and experience of mutual funds operations, including understanding of fund structures (UCITS, OEICs, unit trusts), order processing, settlement cycles, transfer agency functions, trailer fees, and distribution arrangements. Familiarity with fund eligibility requirements for tax-advantaged accounts and experience navigating fund data providers would be particularly valuable. - Experience with Self-Invested Personal Pensions (SIPP), including understanding of pension regulations, HMRC requirements, eligible investments, and transfer processes. At minimum, candidates should demonstrate good general understanding of SIPP products and regulatory framework. - Experience with European tax-advantaged accounts (e.g., French PEA, Swedish ISK, Hungarian TBSZ) or willingness to develop expertise in these products. - Working knowledge of FCA regulations, particularly relating to retail investment products, client money/assets, and product governance (PROD). - Experience with control frameworks, first-line-of-defence activities, or operational risk management. - Familiarity with brokerage operations including trading, settlement, corporate actions, and custody. - Experience with data analysis and visualisation tools (e.g., SQL, Tableau, Power BI, Excel). - Project management qualification (e.g., PRINCE2, PMP, Agile) or equivalent practical experience. Location and Hours: 20 Fenchurch Street, London, EC3M 3BY 8 am - 5 pm, Monday - Friday What We Offer - Opportunity to take ownership of a critical product line within a globally recognized brokerage firm. - Exposure to senior leadership and direct impact on business strategy and growth. - Dynamic, fast-paced environment with continuous learning opportunities. - Collaborative, multi-national team culture with opportunities for career progression - Salary commensurate with experience - Performance-based discretionary cash bonus scheme - Discretionary stock grant - Group Life Assurance cover - Group Income Protection - Occupation pension scheme based on Gross earnings - Hybrid working model - Above statutory annual leave, increasing with service - Daily company-paid lunch and healthy snack options throughout the day (when working from the office) - Access to Private Medical Insurance, Dental Plan and/or Health Cash Plan (including dependants) * - Corporate events - Travel season ticket loans* - Cycle to work scheme* - Fitness subsidisation *on successful completion of the probation period