Manager/ Head of Risk Management

Merchant Risk Management:• Oversee risk strategies specifically for merchant onboarding, acquisition, and monitoring.• Ensure thorough due diligence on new merchants, evaluating their risk profiles and compliance with regulatory and internal standards.• Develop and implement merchant-specific risk mitigation plans to prevent fraud, payment issues, and chargeback risks.• Payment Risk Monitoring:• Continuously enhance payment system risk controls to identify and mitigate potential fraud or operational risks.• Monitor and assess transaction data, identifying suspicious activity, and implementing real-time fraud detection measures.• Manage chargeback processes, ensuring effective handling, dispute management, and minimization of financial losses.Fraud and Chargeback Prevention:• Lead and coordinate efforts to detect, prevent, and respond to fraud, with particular emphasis on merchant-related fraud.• Oversee the end-to-end chargeback management process, minimizing financial impact through efficient risk controls and dispute resolution strategies.Risk Governance and Compliance:• Ensure the company’s Governance, Risk, Compliance, and Control Frameworks are operating effectively, staying within the agreed risk appetite.• Maintain up-to-date compliance with relevant legislation and regulatory standards affecting the payments and merchant acquisition sectors.• Act as the company’s Anti-Fraud Officer, handling sensitive fraud cases and implementing fraud prevention strategies.Risk Reporting and Analysis:• Develop, manage, and refine both qualitative and quantitative risk reporting, delivering insights that support the Board and senior management in strategic decision-making.• Formulate a clear, actionable risk appetite framework and ensure its integration into operating and financial models.• Provide ongoing risk assessments, offering credible challenges to existing risk management processes.Strategic Risk Leadership:• Work as a key member of the senior management team and executive committee, contributing to the development and execution of business strategies.• Continuously enhance and embed the company-wide risk management framework to ensure it is robust, scalable, and adaptable to business needs.• Establish and maintain strong corporate governance systems, ensuring that business processes and committee structures align with industry best practices.