Manager/ Head of Risk Management

Merchant Risk Management:

• Oversee risk strategies specifically for merchant onboarding, acquisition, and monitoring.

• Ensure thorough due diligence on new merchants, evaluating their risk profiles and compliance with regulatory and internal standards.

• Develop and implement merchant-specific risk mitigation plans to prevent fraud, payment issues, and chargeback risks.

• Payment Risk Monitoring:

• Continuously enhance payment system risk controls to identify and mitigate potential fraud or operational risks.

• Monitor and assess transaction data, identifying suspicious activity, and implementing real-time fraud detection measures.

• Manage chargeback processes, ensuring effective handling, dispute management, and minimization of financial losses.

Fraud and Chargeback Prevention:

• Lead and coordinate efforts to detect, prevent, and respond to fraud, with particular emphasis on merchant-related fraud.

• Oversee the end-to-end chargeback management process, minimizing financial impact through efficient risk controls and dispute resolution strategies.

Risk Governance and Compliance:

• Ensure the company’s Governance, Risk, Compliance, and Control Frameworks are operating effectively, staying within the agreed risk appetite.

• Maintain up-to-date compliance with relevant legislation and regulatory standards affecting the payments and merchant acquisition sectors.

• Act as the company’s Anti-Fraud Officer, handling sensitive fraud cases and implementing fraud prevention strategies.

Risk Reporting and Analysis:

• Develop, manage, and refine both qualitative and quantitative risk reporting, delivering insights that support the Board and senior management in strategic decision-making.

• Formulate a clear, actionable risk appetite framework and ensure its integration into operating and financial models.

• Provide ongoing risk assessments, offering credible challenges to existing risk management processes.

Strategic Risk Leadership:

• Work as a key member of the senior management team and executive committee, contributing to the development and execution of business strategies.

• Continuously enhance and embed the company-wide risk management framework to ensure it is robust, scalable, and adaptable to business needs.

• Establish and maintain strong corporate governance systems, ensuring that business processes and committee structures align with industry best practices.

• Bachelor or master’s degree in Finance, Risk Management, Business Administration, or a related field.

• Solid years of experience in risk management, preferably within payments, fintech, or financial services.

• Proven track record of managing merchant acquisition risks, fraud detection, and chargeback processes.

• Strong knowledge of regulatory requirements and frameworks related to payments, fraud, and risk management.

• Excellent communication and leadership skills, with experience influencing senior stakeholders.

• Analytical mindset with the ability to interpret complex data and develop actionable strategies.