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Unzer is a fast-growing, innovative, and modular platform for international payment transactions. Over 800 of our payment experts and tech enthusiasts throughout Europe today work on helping retailers achieve sustainable growth in a dynamic market. We provide them with modules, which are easy to integrate and cover the entire spectrum of payment management: from the processing of various payment types, through automated analytics of customer behaviour and requirements, all the way up to integrative risk management.
ABOUT THE TEAM
As Senior Merchant Risk Manager you will be reporting to the Head of Acquiring Risk. You're an expert steering multiple risk teams across different business units, partly also outside the Acquiring domain. You'll be working from one of the Unzer offices whereby travelling to the other offices on an exceptional basis will be part of the job. We expect you to manage strategic risks and merchant compliance-related projects and initiatives.
WHAT WILL YOU DO
- Manage and oversee the merchant risk program, including identification, assessment, mitigation, and monitoring of risks associated with payment card processing, alternative payments and fraud prevention.
- Monitor merchant transaction data to identify potential fraudulent activity and collaborate with internal and external stakeholders to investigate and resolve incidents.
- Provide training and support to internal teams and external partners on merchant risk management, fraud prevention, and chargeback management.
- Maintain technical roadmaps for strategic tool implementations
- Orchestrate policies and governance
- Lead post-merger risk integrations, and alignments in terms of policies and procedures
- Assure Risk data quality
- Strategic business case modelling, design concepts to enter new (high-risk) verticals including mitigation strategies
- Steer our risk business units/teams with risk and compliance-related card scheme updates and support changes/implementation accordingly through policy updates and procedures
- Steer our risk business units/teams with regulatory changes related to regulated high-risk merchant business types and defining vertical acceptance strategies and policies
- Consult the organization with PCI DSS-related topics
- Negotiate with and steer relevant partners and suppliers, e.g. credit scoring agencies, third-party enrichment data providers, fraud prevention providers etc.
- Assist Key Account sales teams with RFIs, complex prospects and selling transaction risk checks as a value-added product
YOUR PROFILE
- You have a Bachelor's or Master's degree and 4+ years’ experience in payments-related risk management positions
- You're analytical and possess problem-solving skills, and have an eye for detail and the willingness to challenge the status quo ongoingly
- You're enthusiastic and have a hands-on mentality in supporting different teams across different jurisdictions
- You're a team player and have the ability to persuade team members, peers and superiors to ideas
- Strong knowledge of payment card industry regulations, guidelines, and card scheme rules, including Visa, Mastercard, and other relevant networks.
- You have knowledge of high-risk underwriting, including experience in assessing and managing high-risk merchants and industries
- You're experienced in transaction monitoring, fraud detection, and chargeback management
- You have demonstrable experience in project management
- You're fluent both verbally and in writing in German and English (Danish as a plus)
WE OFFER
- Flexible working hours
- A hybrid work model to allow you to keep work-life balance – you can work from home up to 80% of the time
- A learning budget for personal development in addition to internal knowledge sharing forums and best practice sharing. We want you to have the ability to learn something new every day!
- A fast-paced work environment with the creative freedom to contribute to Unzer’s future
- Excellent working atmosphere in ambitious, diverse, and agile teams
It's possible to join the team in Frankfurt am Main, Munich, Vienna, or Grevenmacher (Luxembourg). Please note this role requires regular travelling to other locations.
Does this sound interesting to you? Please send in your CV in English through the form below. We are looking forward to getting to know you!
- Unzer is an equal employment opportunities workplace and we commit to hiring regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law. Please refrain from including your picture and age with the application.
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