Merchant Risk Management Analyst

ImonėUAB PaystraxMiestasVilnius, LithuaniaVeiklos sritisFintechAtlyginimas2600-3300 €/month. (gross)

Senior recruitment consultant

Sandra Balandienė

Tel.: +370 655 32 720
El. paštas: sandra@emplonet.lt

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Assess risk and ensure appropriate risk mitigation measures are implemented for new and existing merchants by reviewing business models, ownership structures, and transaction flows, in accordance with card scheme requirements and company risk policy;
Monitor the merchant portfolio for chargeback, fraud, and credit risks, and assess processing performance to identify potential exposures, ensuring compliance with internal risk policies and card scheme requirements;
Collaborate with merchants and partners on risk-related matters to ensure effective management and mitigation of potential exposures;
Implement and support risk mitigation measures, including chargeback prevention strategies, fraud controls, collateral requirements, rolling reserves, and escalation procedures;
Support the development, documentation, and maintenance of internal risk procedures, incorporating updates from card schemes, regulatory bodies, and industry standards;
Collaborate with Underwriting, Compliance, Transaction Monitoring, and Finance teams to manage overall merchant risk and ensure adherence to payment network rules;
Participate in the preparation of risk reports and dashboards for internal stakeholders, highlighting card scheme compliance and portfolio risk metrics;
Assist in internal merchant audits and follow-up activities, ensuring adherence to internal policies and card scheme regulations;
Contribute to continuous improvement initiatives to automate and optimize risk processes.

University degree in Finance, Economics, Business Administration, or a related field;
At least 2 years of experience working within financial services involving Visa/Mastercard acquiring, issuing, payment processing, or card scheme-related workflows;
Working knowledge of KYC/AML standards, with preference for experience in Visa/Mastercard card scheme regulations;
Knowledge of fraud, chargeback, and credit risk concepts within merchant acquiring;
Familiarity with merchant payment processing and acquiring operational workflows;
Analytical skills and attention to detail;
Ability to work independently and handle multiple priorities;
Good verbal and written communication skills, with the ability to collaborate effectively across teams and with external stakeholders;
Fluency in English;
Proficiency in Microsoft Office (Excel, Outlook, Word) and ability to work with data tools.

Wide opportunities for professional growth while working in dynamic environment together with high-level financial professionals;
Competitive salary in accordance with your qualifications, ranging from 2600 to 3300 EUR gross;
Hybrid work model (work remotely for 1-2 days per week);
Private health insurance, perks system, complimentary parking, extra paid days off so you can take care of your health and well-being, special gifts from us for major milestones, such as weddings or the arrival of a new family member and other benefits in unique fintech environment where you are truly appreciated, rewarded, and recognized for your contributions.

2026.03.05

Vilnius

2600 – 3300 Eur €/month. gross

Risk management

Higher education