Risk and Monitoring Specialist

At Paynetics, we believe payments should be everywhere and effortless. As a European leader in Embedded Finance, our mission is to empower non-financial players to offer modern payment experiences that connect people and businesses across borders.

We collaborate with technology giants, banks, telecoms, governments, and fintech startups in more than 20 countries throughout Europe and the UK. Our end-to-end suite of financial products – from issuing, acquiring, accounts, digital wallets and card programs – makes us one of the most versatile players in the industry.

Over the years, our team has led landmark deals and strategic acquisitions that helped redefine what’s possible in the world of payments. Today, we serve 100,000+ clients, handle 200,000+ daily transactions, and continue to grow rapidly.

We’re passionate about innovation, reliability, and impact – and we’re looking for talented people who share that drive. If you’re ready to help shape the future of finance, Paynetics is where your work will make a difference on a global scale.

We are expanding and are looking for an experienced, responsible, and motivated professional for the position RISK & MONITORING SPECIALIST. In this role you will be responsible for identifying, analyzing and mitigating potential risks across the organization. This role involves conducting thorough risk assessments, developing risk management strategies, and ensuring compliance with relevant regulations and standards.

What You’ll Be Doing:

• Conduct detailed analysis of big data to identify patterns, trends, and anomalies indicative of potential fraudulent behaviour
• Work with internal Database and Power BI models to conduct risk data analysis and produce timely insight statistics
• Use internal monitoring system and applications for fraud detection and prevention
• Liaise with customers, merchants, and other external and internal parties to gather information, carry out investigations, and provide guidance on fraud-related matters on the Acquiring and/or the Issuing business lines
• Investigate and resolve suspected fraudulent activities related to card transactions, including unauthorised use, identity theft, and counterfeit cards
• Present insights and recommendations on approval ratio, analyse decline reasons and monitor the chargeback and fraud-to-sale ratio performance as per Visa and Master Card monitoring programs
• Prepare ad-hoc comprehensive investigative reports, document findings, and make recommendations for process improvements to prevent future occurrences of fraud
• Track analytics on risk KPIs
• Stay updated on industry trends, emerging fraud schemes, card scheme and regulatory requirements to ensure compliance and adapt investigation strategies accordingly

Our Requirements & Skillset:

• 3+ years of operational risk management experience, ideally from within the financial/Fintech industry
• Strong reasoning, numerical and analytical skills with the ability to interpret complex financial data and identify suspicious patterns or trends
• University degree (Economics, Mathematics or related)
• Knowledge of the card business environment, card fraud detection techniques, industry best practices, and regulatory requirements for the Acquiring and/or Issuing units
• Track record in synthesising complex information to produce impactful management information and analysis, and support informed executive decision making
• High computer proficiency – Windows, Microsoft Office /Excel, Access, Outlook/, Internet applications
• Basic/intermediate experience with SQL;
• Power BI comfortable usage is considered a competitive advantagePower BI comfortable usage is considered a competitive advantage
• Full command of the English language (spoken and written), proven ability to build credible-long term effective working relationships, both internally and externally
• Team player, results-oriented, ability to work under own initiative and handle multiple and varied tasks simultaneously

We offer:

• Exciting job in a premium professional environment
• Highly competitive remuneration
• 25 days annual paid leave + 1 day for your birthday
• Work in a growing team with excellent perspective for professional development
• Additional Health Insurance
• Vouchers
• Company Trainings
• Team buildings and sports activities
• Excellent office location near a metro station