Merchant Risk Monitoring Manager
Poznań, Warsaw, Poland
GPO EMEA – GPO EMEA - Risk /
Full-time /
Hybrid
About PayU
PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000+ merchants and millions of consumers.
As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day.
Merchant Monitoring is one of the core pillars of the Operations Department, responsible for reviewing current activities of PayU merchants across the EMEA region. The team enhances controls on the merchant portfolio to reduce key risks such as AML, fraud, credit exposure, and sanctions violations.
We’re looking for a hands-on Merchant Risk Monitoring Manager to oversee and develop our AML transaction monitoring processes for merchants. You’ll lead a team of analysts, ensure effective risk detection, and continuously improve our internal controls and workflows through automation and process optimization.
This role is ideal for someone who brings both strong AML/CFT experience and people leadership and thrives in a fast-paced fintech environment.
Key responsibilities:
- Act as the first point of escalation and subject matter expert in AML/CFT for internal and team queries; provide expert guidance on complex cases
- Lead key projects and process improvements within merchant monitoring; own initiatives end-to-end to ensure high-impact delivery, efficiency, and scalability
- Oversee and continuously optimizemonitoring processes, including automation and standardization; identify gaps and implement robust solutions
- Drive innovation and operational excellence, ensuring processes align with evolving regulatory expectations and business needs
- Coach, mentor, and lead a team of analysts responsible for merchant monitoring and transaction reviews
- Co-operatewith Regulators, Legal, Compliance, Business and Technology Departments to improve merchant monitoring processes to the highest standards
- Draft and maintaininternal procedures and playbooks for merchant transaction monitoring
- Support internal reporting on KPIs, efficiency, and quality
What we’re looking for:
- 5+ years of experience in AML/CFT, preferably in a fintech, payments or e-commerce context
- Strong people leadership skills; proven ability to lead operational teams in fast paced environment while keeping up with business priorities
- Excellent understanding of AML/CFT regulations, policies, procedures,
- Strong decision-making skills in high-volume, risk-sensitive environments
- Proven track record of building and delivering improvement projects in the AML or transaction monitoring area on a company level
- Proficiency in both spoken and written English and Polish
- Analytical mindset with experience in Excel, Tableau or similar; SQL is a plus
What we offer:
- End-to-end responsibility for leading and improving the Merchant Monitoring process
- Employment under a contract of employment
- Benefits: ability to develop one’s own package in MyBenefit system
- Access to an internal training platform
- Possibility to work in a hybrid model
- Friendly work atmosphere in a cooperation-driven team, that will support you everyday
- Work in an international organization operating in a rapidly changing industry
Our working environment:
- A diverse working environment within a multicultural setting
- An inclusive environment that ensures we listen to a diverse range of voices when making decisions
- A positive, get-things-done workplace
- A dynamic, constantly evolving space (change is par for the course – important you are comfortable with this)
- Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale
- A democratic work environment where you can drive your outcomes
About us
At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more www.payu.com
Our Commitment To Building A Diverse And Inclusive Workforce
As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.
