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AI Summary
About the Client
Our client is a Latvia-based fintech startup currently operating in stealth mode as part of an international holding group. They are building a modern acquiring business with direct Visa and Mastercard membership. With a focus on launching innovative products, they aim to make a significant impact in the neobank and EMI industries.
Role Overview
As a Risk Manager, you'll play a critical role in managing the risk lifecycle for e-commerce merchants on the card acquiring platform. This position offers the chance to work at the intersection of merchant risk, fraud risk, and card scheme compliance. You will have the opportunity to support the Head of Risk in institution-wide risk management, making a significant impact within the organization.
Key Responsibilities
Conduct risk-based due diligence and onboarding of e-commerce merchants.
Assess merchants against Visa & Mastercard scheme rules and internal risk policies.
Monitor merchant activity, transaction trends, and compliance with card scheme thresholds.
Investigate suspicious merchant activity and implement appropriate risk mitigation measures.
Perform ongoing merchant risk reviews and support AML-related monitoring.
Assist with enterprise risk management activities, including risk assessments and reporting.
Support risk projects, process improvements, and prepare risk reports for senior management.
Requirements
1+ years of experience in a risk, underwriting, merchant onboarding, or fraud-related role.
Practical understanding of card scheme rules, MCC classifications, and merchant risk monitoring practices.
Basic knowledge of AML/CTF principles sufficient to identify red flags and escalate appropriately.
Familiarity with Visa and Mastercard risk programs and reporting processes.
Experience with enterprise risk assessment frameworks or risk register maintenance.
Languages: English C1, Russian C1. Latvian language is an advantage.
Experience in fintech
Key Soft Skills
Strong analytical skills, comfortable working with transaction and merchant data.
Good attention to detail and clear documentation skills.
Collaborative mindset to work effectively within a team.
Strong communication skills for effective stakeholder interaction.
Problem-solving skills to address complex risk scenarios.
What We Offer
Competitive salary aligned with experience
Fast-track career growth with the opportunity to progress to Risk Director
High-impact role in a scaling fintech company
Recognition of personal milestones and achievements
Social benefits
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