Date Posted: 10/27/2025
Hiring Organization: Rose International
Position Number: 490576
Industry: IT Company
Job Title: Authentication Specialist
Job Location: Cupertino, CA, USA, 95014
Work Model: Onsite
Shift: General Business Hours
Employment Type: Temporary
FT/PT: Full-Time
Estimated Duration (In months): 12
Min Hourly Rate($): 86.32
Max Hourly Rate($): 86.32
Must Have Skills/Attributes: Analytical Skills, Authentication, Engineering, Payment Processing
Experience Desired: EMV 3-D Secure (3DS) specifications, including frictionless and challenge flows (5+ yrs)
**C2C is not available**
Job Description
Qualifications:
• Deep 3DS SCA Expertise: Extensive hands-on experience and a thorough understanding of EMV 3-D Secure (3DS) specifications, including frictionless and challenge flows, data elements, message types, and the implications for Strong Customer Authentication (SCA) under regulations like PSD2.
• Exceptional Analytical Skills: Proven ability to perform deep-dive data analysis, identify trends, draw robust conclusions, and translate findings into actionable strategies. Experience with funnel analysis is essential.
• Technical Acumen: Demonstrated ability to read, interpret, and apply complex technical specifications (e.g., payment protocols, API documentation) to real-world problems.
• Problem-Solving Mindset: Proactive, detail-oriented, and resourceful in identifying and solving complex technical and business challenges.
• Communication Skills: Excellent verbal and written communication skills, with the ability to articulate technical concepts clearly to both technical and non-technical audiences.
Description:
About Us: We are a rapidly growing business committed to providing a seamless and secure customer experience. Our payment authentication processes are critical to both customer trust and revenue generation. We are seeking a highly analytical and technically proficient contractor to significantly improve our 3D Secure (3DS) Strong Customer Authentication (SCA) funnel performance.
The Problem We're Solving: Our current 3DS SCA authentication funnel is experiencing significant friction and resulting in substantial revenue loss. We need an expert to dive deep into our authentication process, identify precise points of failure, and implement solutions to recover lost revenue and enhance customer experience.
Role Overview: The 3DS SCA Authentication Funnel Specialist will be responsible for conducting an in-depth analysis of our end-to-end 3DS SCA authentication flow. This role requires a meticulous approach to dissecting technical specifications, collaborating with analytics and engineering teams, and translating complex data into actionable insights to drive significant improvements in our authentication success rates and reduce customer abandonment.
Key Responsibilities:
• End-to-End Funnel Mapping & Analysis:
o Collaborate extensively with our analytics and engineering teams to meticulously map every stage of the 3DS SCA authentication funnel, from initial transaction request to final authorization.
o Investigate and pinpoint the root causes for critical issues such as:
o Failure to initiate 3DS authentication for eligible transactions.
o Failure to submit authorization requests after a successful 3DS authentication.
• 3DS SCA Specification Deep Dive & Data Gap Analysis:
o Conduct a thorough and detailed review of the EMV 3-D Secure Specification to understand all available data elements, status codes, and error codes.
o Determine what critical information, as defined by the 3DS spec, is currently missing or underutilized within our analytics funnel. For example, investigate how to leverage granular data from our 3DS Server provider (e.g., CardinalCommerce), such as indicators of cardholder cancellation during a challenge flow (e.g., the cardholder Cancelled)
• Data Integration & Enhancement Recommendations:
o Propose and define requirements for integrating newly identified, high-value data points into our analytics platform and reporting dashboards.
o Work closely with engineering to ensure accurate and comprehensive data capture, enabling full visibility into the authentication journey.
• Performance Monitoring & Strategic Insights:
o Define key performance indicators (KPIs) and establish robust monitoring mechanisms to track the health and efficiency of the authentication funnel.
o Provide data-driven recommendations and strategic insights to optimize authentication flows, improve step-up rates, and minimize drop-offs, ultimately leading to significant revenue recovery.
Key Deliverables:
• A comprehensive, documented map of the current 3DS SCA authentication funnel, clearly highlighting all drop-off points and identified failure modes.
• A detailed report outlining critical 3DS specification data points currently missing from our analytics and their potential value for business insights.
• A prioritized list of recommendations for data capture and integration enhancements.
• In-depth analysis of specific failure scenarios (e.g., reasons for 3DS initiation failure, post-authentication authorization declines).
• An actionable optimization plan aimed at improving 3DS step-up rates and reducing funnel abandonment.
- **Only those lawfully authorized to work in the designated country associated with the position will be considered.**
- **Please note that all Position start dates and duration are estimates and may be reduced or lengthened based upon a client’s business needs and requirements.**
Benefits:
For information and details on employment benefits offered with this position, please visit here. Should you have any questions/concerns, please contact our HR Department via our secure website.
California Pay Equity:
For information and details on pay equity laws in California, please visit the State of California Department of Industrial Relations' website here.
Rose International is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, sexual orientation, gender (expression or identity), national origin, arrest and conviction records, disability, veteran status or any other characteristic protected by law. Positions located in San Francisco and Los Angeles, California will be administered in accordance with their respective Fair Chance Ordinances.
If you need assistance in completing this application, or during any phase of the application, interview, hiring, or employment process, whether due to a disability or otherwise, please contact our HR Department.
Rose International has an official agreement (ID #132522), effective June 30, 2008, with the U.S. Department of Homeland Security, U.S. Citizenship and Immigration Services, Employment Verification Program (E-Verify). (Posting required by OCGA 13/10-91.).
I have been very pleased with my experience with Rose International. Everyone that I encountered was very helpful and courteous.
Stephanie, Consultant
Working for Rose International was the most pleasant assignment I have ever had. They were always on top of situations when necessary, and very helpful. I was very proud to be an employee of Rose International, and would recommend anyone to try to work with them.
Melvon, Consultant
As a contractor, I have to say that Rose International was by far the best agency I have worked for.
Q'testdalir, Consultant
Rose is an assembly of people grounded in honesty, truth and dignity for all of its employees and contractors.
Samba, Consultant
Thanks for the opportunity. If in the future I ever need a job, I would like to work for Rose International.
David, Consultant
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