AML/KYC & Merchant Risk Specialist
Grow with a Polish fintech based in the heart of Poznań!
Who are we? A payment operator for e-commerce and online services. For over 15 years, we have been making online shopping easier for users, working together on a constantly evolving payment gateway.
You certainly know us from long ago, because if you order food or buy tickets online — you probably use Tpay solutions.
Among our clients, you can find brands such as RTV Euro AGD, Media Expert, Jakdojade.pl, Koleo, PKP Informatyka, X-KOM, PZU, Pekao SA, Biedronka.
Our values: In our daily work, we value such values as: Development, Professionalism, Personal Culture, and Teamwork. This is the compass that sets our direction every day.
At Tpay, people matter. We have cohesive teams that are happy to share knowledge and experience. We never leave new employees to fend for themselves: you can count on pre-onboarding and onboarding, full support from the HR team and members of your new team.
Cross to the other side of the payment gateway and get to know us better!
At Tpay, you can count on:
free English lessons, subsidies for the Multisport card, private PZU medical care, UNUM life insurance, Workation - working from anywhere in Europe for 3 months a year, HEDEPY psychological support, yoga classes, a gym in the office, a training budget after the probationary period and 7 days for development during the year, Pekao S.A. and PZU products on preferential terms (applies to UoP), flexible starting hours between 7:00-10:00. modern work equipment, regular integration events, a chance to gain experience in the fintech area and work with cool people ;)
Sounds interesting? APPLY and join US!
Daily tasks
- conducting comprehensive verification of merchants and assessing their risk profile during the acceptance stage and throughout ongoing cooperation,
- analyzing ownership structure, ultimate beneficial owners, business models, and available documentation,
- preparing recommendations regarding the acceptance, rejection, or escalation of cases,
- analyzing merchants' transactional activity as part of transaction monitoring and identifying deviations requiring additional analysis,
- identifying risks related to merchants' activities - in particular AML/KYC, fraud, chargeback, and financial risks,
- assessing the compliance of merchants' activities with the requirements of card organizations (Visa/Mastercard), including MCC analysis and industry restrictions,
- participating in the creation and improvement of procedures, instructions, and merchant risk assessment criteria.
Requirements
Join us if: you have experience in at least one of the following areas: merchant verification and risk assessment (in a PSP, PayFac, or Acquirer), Merchant Risk / Underwriting, or AML/KYC for business clients, you have experience in analyzing business clients and identifying potential risks, you can analyze business models and assess their risk profile, you know how to prepare recommendations regarding the acceptance, escalation, or rejection of analyzed cases, you can make decisions independently and clearly justify your recommendations, you use English at a minimum B2/C1 level and work fluently with industry documentation, you want to have a real impact on the development and improvement of processes, tools, and risk assessment criteria, rather than just following existing patterns, you are characterized by proactivity and independence in decision-making and problem-solving. An additional asset will be if: you have experience in assessing merchants accepting card payments, you know Visa/Mastercard requirements regarding merchants and MCC classification, you have experience in transaction monitoring or monitoring merchant risk, you know the specifics of the payments or e-commerce industry.
Must have: merchant handling
Nice to have: mcc classification