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EML Payments

Provides prepaid and reloadable payment cards

Payment Operations Project Manager

Full-Time
No salary listed
Mid
Bachelor's
Brisbane QLD, Australia+2 moreMore locations: Melbourne VIC, Australia | Sydney NSW, Australia
In Person
Project & Program ManagementProgram Management

About the job

Requirements
  • A Bachelor's degree in an appropriate field of study or equivalent work experience.
  • At least 3 years of project management experience within the payments industry, including tracking and planning projects.
  • Intermediate proficiency with Microsoft Project, Excel, Visio, PowerPoint, and SharePoint, and experience presenting to stakeholders or senior leadership.
  • Ability to influence and spur change, facilitate, and enhance performance within a cross-functional environment.
  • Ability to make decisive business decisions, resolve problems, and identify priorities.
  • Experience negotiating vendor contracts.
  • Experience drafting and submitting budget proposals and recommending budget changes when necessary.
  • Experience successfully leading projects and programs on time and within budget.
  • Experience leading and motivating project and program teams of varying sizes, including internal and external resources, while holding the team accountable for performance.
  • Experience influencing and gaining buy-in from executives, sponsors, team members, stakeholders, and peers.
  • Ability to engage stakeholders at all levels, clearly summarize complex information, and influence decisions effectively.
  • Ability to apply an effective balance of governance, speed, and control.
Responsibilities
  • Manage a portfolio of complex initiatives across one or more lines of business, focusing on payments and card projects.
  • Own project lifecycle delivery from initiation through deployment and business-as-usual handover for one or more initiatives simultaneously.
  • Lead delivery of card scheme mandate changes for Visa and Mastercard and BIN/program implementations, partnering with internal and external stakeholders.
  • Deliver compliance-related initiatives, such as data integrity programs and regulatory requirements, to meet obligations on time.
  • Report on project success criteria, results, metrics, testing, and deployment management activities.
  • Coordinate and drive completion of process improvements and transformation initiatives within the Payment Operations team.
  • Prepare project trackers and detailed plans covering all project phases.
  • Procure and manage resources to achieve project objectives within planned timeframes.
  • Manage day-to-day project activities and resources, and report status on milestones, deliverables, dependencies, risks, and issues.
  • Understand interdependencies among technology, operations, compliance, and business needs.
  • Manage ongoing quality control and participate in resolving quality issues.
  • Delegate tasks and responsibilities and communicate effectively with senior stakeholders, team members, clients, and other stakeholders.
  • Continue professional development to stay current with emerging technologies, methods, and best practices in payments and project delivery.
  • Unblock issues, make decisions, and deliver project outcomes.
Desired Qualifications
  • Experience delivering projects in payments, card issuing, or financial services, such as scheme mandate rollouts, BIN/program implementations, or compliance remediation, is highly regarded.
  • Familiarity with the Australian payments landscape, including AP+, AusPaynet, AUSTRAC, the ePayment Code, and RBA frameworks, is advantageous.

About the company

EML Payments provides payment solutions for businesses and consumers, including prepaid gift cards, general purpose reloadable cards, and incentive programs, operating in the global payments market. Its products work by issuing and managing physical or digital cards that customers can load, spend, and earn rewards, with transaction processing and security handled through the company's platform. The services are designed to be easy to integrate and use, offering end-to-end support and brand-ready implementations, along with transparent pricing and ongoing auditing. Unlike some competitors, EML emphasizes tailored, scalable solutions with strong security (PCI Level 1) and continuous compliance, enabling brands to embed payments and incentives directly into their customer experiences. The goal is to help clients engage customers, streamline financial transactions, and grow through secure, adaptable payment platforms and incentive programs.

Company Size

501-1,000

Company Stage

IPO

Headquarters

null

Founded

2003

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Simplify's Take

What believers are saying

  • QVG Capital’s shareholding signals investor confidence after FY25 profit and cash improvement.
  • EML’s June 2026 OneJourney deal targets hospitality, a large under-served payment volume.
  • The company keeps launching fresh board and platform changes around EML2.0 and Arlo.

What critics are saying

  • FY26 EBITDA guidance fell to AUD$47 million-AUD$50 million after April 2026 delays.
  • 1HFY26 revenue fell 6% and EBITDA fell 16%, exposing weak execution.
  • PCSIL liquidation and the 2025 shareholder class settlement show historic compliance and litigation risk.

What makes EML Payments unique

  • EML’s regulated issuing stack spans BIN sponsorship, authorization, clearing, and settlement globally.
  • FY25 revenue reached AUD$220.9 million, with underlying EBITDA of AUD$58.6 million.
  • OneJourney partnership, announced June 16 2026, extends EML into hotel supplier payments.

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Benefits

  • Flexible Work Hours
  • Remote Work Options
  • Paid Vacation

Growth & Insights and Company News

6 month growth

-1%

1 year growth

0%

2 year growth

0%
Hotel Online
Jun 16th, 2026
EML Payments and OneJourney partner to modernize hotel Payments and replace legacy gift vouchers.

EML Payments and OneJourney partner to modernize hotel Payments and replace legacy gift vouchers. Strategic partnership combines embedded payments, finance automation and digital stored-value technology to help hotels generate value from supplier payments and modernize guest gift voucher programs. Summary. EML Payments and OneJourney let you streamline supplier payments and automate financial operations by using controlled virtual cards and replacing paper vouchers with secure digital stored-value cards. Luxury and premium hotels gain automated accounts-payable reconciliation, real-time balance visibility and detailed transaction reporting through integrations with QuickBooks, NetSuite, Sage Intacct and Xero at no extra integration cost. MELBOURNE, Australia - June 16th, 2026 - EML Payments, a global payments company, today announced a strategic partnership with OneJourney, an embedded payments and automation platform purpose-built for hospitality, travel and mobility. The new alliance combines EML's regulated card issuing infrastructure with OneJourney's hospitality-focused automation platform to help hotels streamline supplier payments, automate financial operations and replace traditional paper gift vouchers with secure digital stored-value cards. Through the collaboration, the companies will now deliver a unified payment ecosystem that enables hotels to create efficiency and monetary values from everyday supplier payments, improve financial visibility, and offer guests a more seamless gifting and redemption experience. Luxury and premium hotels are the initial focus for the partnership, reflecting the sector's complex supplier networks, significant operational spend and demand for elevated guest experiences. "The hospitality industry is a global vertical market with enormous, under-served payment volume, and OneJourney brings the platform and the channel to capture it," said Eric Hoffman, Head of Commercial, EML Payments. "Together, we're giving hotels a way to make their everyday spend work harder, from supplier payments to guest rewards, on infrastructure built for scale, security and operational efficiency." One of the partnership's primary features addresses a longstanding challenge in hotel finance operations. Hotels process large volumes of payments to suppliers, technology providers, agencies and service partners, many of these payments still rely on bank transfers or manual payment processes. Through the OneJourney platform, eligible supplier payments can be issued as controlled virtual cards powered by EML's infrastructure, enabling automated reconciliation, enhanced security and detailed transaction reporting. The result is a more efficient accounts payable process that can generate revenue through card payment economics, as well as reducing administrative workload for finance teams. The combined platform integrates with leading accounting systems, including QuickBooks, NetSuite, Sage Intacct and Xero, while maintaining compatibility with existing banking relationships. In addition, implementation requires no integration costs or capital investment, further strengthening the financial benefits of the platform for hotel organizations and streamlining its deployment. Another key benefit of the new partnership is the modernization of hotel gifting programs, an area that has long relied on paper certificates and PDF vouchers. Using EML-issued digital stored-value cards, hotel properties can provide guests with instantly delivered, secure digital gifting options that can be stored on a mobile device, redeemed across the property and monitored through real-time balance visibility. Finance teams benefit from automated reconciliation, improved liability management and richer data on guest spending behavior. The same stored-value infrastructure can also support loyalty, rewards and promotional programs, creating new opportunities for guest engagement and repeat business. "Every hotel pays suppliers and issues gift vouchers, yet both processes have remained largely unchanged for decades," said Brian Dass, Co-Founder and CEO of OneJourney. "Our partnership with EML gives hotels a modern payments foundation that transforms supplier payments into a strategic financial asset and replaces outdated voucher systems with secure, trackable digital stored-value. Hotels can adopt these capabilities without changing their banking relationships or investing in complex technology projects." The new partnership between EML Payments and OneJourney reflects a broader shift across hospitality toward embedded financial services that improve operational efficiency while enhancing the guest experience. By combining payment infrastructure, automation and hospitality-specific workflows, EML and OneJourney are helping hotels modernize how money moves throughout the business. OneJourney Andrea Mane ProVision Partners +1 (407) 716-9040 OneJourney is an embedded-payments company built for hospitality. Its flagship platform, SwiftPay, helps hotels convert the payments they already make - to suppliers, vendors and partners - into incremental revenue and automated savings, with no cost and no added risk to the property. By combining virtual commercial cards, supplier payment workflows, AI-driven invoice and reconciliation automation, cashback on eligible spend, and transparent reporting, OneJourney gives independent hotels ownership of a payment layer they have historically left to others. OneJourney is operated by Hotel Direct, LLC (d/b/a OneJourney and Swift Services), based in Miami Beach, Florida. EML Payments is a global payments company that creates instant, secure and configurable payment solutions, moving more than AUD$80 billion across 27 countries each year. EML provides regulated card issuing infrastructure, including BIN sponsorship, network connectivity, authorization, clearing and settlement services that power branded card and stored-value programs worldwide.

Business Insider
Dec 2nd, 2024
QVG Capital’s Major Investment in EML Payments

QVG Capital Pty Ltd has acquired a substantial shareholding in EML Payments Ltd, purchasing 9,858,837 shares. This acquisition represents a significant investment in EML Payments, reflecting confidence in the company’s prospects and potential for growth in the financial market.

TipRanks
Nov 28th, 2024
QVG Capital's Major Investment in EML Payments

QVG Capital Pty Ltd has acquired a substantial shareholding in EML Payments Ltd, purchasing 9,858,837 shares.

TipRanks
Sep 29th, 2024
EML Payments Ltd Welcomes New Director

EML Payments Limited has announced the appointment of Ken Poutakidis as a director of the company, effective from September 25, 2024.

Tesla Mag
Aug 29th, 2024
Revolutionizing Airline Transactions: Riyadh Air Teams Up with noon Payments

In a noteworthy stride towards digital innovation, Riyadh Air, Saudi Arabia's premier digitally native airline, has entered into a strategic partnership with noon Payments.