PayDo

PayDo, a leading Electronic Money Institution (EMI) authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140 countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, and mass payment options, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for local and international payments. 

As a Payments Lead at PayDo, you’ll play a key role in optimising payment performance across different channels: banking, acquiring, alternative payment methods, and debit card payments, with a strong focus on banking. Collaborating with business stakeholders and partnering financial institutions, you’ll implement payment solutions and drive efficiency while expanding our partner network.

Your regular tasks

Payment Operations & Analytics:

• Payment Tracking: Ensure all payments are monitored and tracked efficiently using available tools, and resolve any issues promptly
• Collaborate with cross-functional teams (Key Account Management, Support, Finance, and IT) by providing updates, clarifications, and resolving payment-related issues
• Address failed payments and delays, escalate complex issues when needed, and ensure proper documentation is maintained throughout the process
• Take ownership of your respective Tableau dashboards to monitor the operations and performance of payment channels
• Analyse payment data to track conversion, identify patterns, trends, anomalies, and other relevant metrics in Tableau

Collaboration with Payment Providers:

• Manage and maintain relationships with payment providers, banks, and financial institutions to improve system robustness
• Evaluate and recommend new payment providers/methods that align with business goals
• Assist in the onboarding process of new payment providers to expand our product offering (i.e. financial forecasts related to payment volume projections)
• Collaborate with business stakeholders to understand and implement payment requirements and configurations
• Conduct thorough testing of new/existing payment channels and collaborate with payment providers to resolve them

SWIFT:

• Work within Swift Alliance Cloud to check incoming/outgoing payments, payment queues, and configurations
• Contact banking partners to verify whether the payment was received, delayed, or rejected

• Use MT103 or UETR (for SWIFT GPI transactions) to track the payment’s status

   

Skills and qualifications

• 3+ years of proven experience in payment operations or related roles within FinTech or Banking
• A proactive approach to driving initiatives and improvements is a must
• Strong understanding and experience working with the following payment rails: SWIFT, SEPA, SEPA Inst, SEPA DD, FPS.
• Knowledge of SWIFT Message Types such as MT/MX and understanding of transaction details in such messages (correspondent banks, amount, currency, sender, and recipient information, etc.)
• Experience working with SWIFT RMA and/or understanding of different SWIFT messaging services, such as FIN or FileAct, would be a big plus
• Experience working and communicating with different types of financial institutions (banks, fintechs, PSPs)
• Experience with Tableau, Power BI, or similar tools is a strong plus
• Comfortable working in Excel or Google Sheets, with the ability to analyse large datasets
• At least a general understanding of financial regulations and AML requirements
• Excellent communication skills to collaborate with both technical and non-technical teams
• Advanced level of English proficiency

What's In It For You
At PayDo, specialists are at the heart of our innovation and success. Joining our team means accessing unparalleled opportunities to grow, contribute, and thrive in a dynamic FinTech environment.

• Empowerment Through Professional Development
  • Monthly investment in your English learning
  • Yearly allocation for advancing your professional expertise
• Unlock Your Potential
  • Transparent career growth with opportunities to achieve Lead roles within 1 year, Head roles in 2 years, and even C-level within 4 years, based on exceptional performance
  • Performance reviews are anchored in KPIs, ensuring recognition is merit-based
• Make a Lasting Impact
  • Work on unique projects where your contributions can reshape company-wide processes
  • Bring your ideas to the table and earn exceptional bonuses through our PayDo Ideas Hub
• Flexible and People-Centric Culture
  • Days of paid vacation annually, with the flexibility to transfer unused days or receive compensation
  • Days of paid sick leave annually, accommodating emergencies and medical needs
  • Additional holidays aligned with your local calendar
• Compensation & Incentives
  • Multiple payment options, including Private Entrepreneurship accounts or popular e-wallets

Our Values
At PayDo, we live by principles that drive us to excellence:

• Ownership & Initiative: Specialists who take charge and make a difference
• Collaboration & Communication: Together, we achieve more by sharing ideas and insights

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!

Job Summary

PayDo is seeking a KYB Specialist to oversee the verification and re-verification of business customers.

This is a fantastic opportunity to contribute to a leading fintech enterprise with significant competitive strengths while advancing your professional expertise.

If you are a seasoned KYB expert with a meticulous eye for detail and a highly analytical mindset, you are precisely the professional we are looking for!

Your regular tasks

• Conduct customer due diligence of potential and existing business customers (verifications & re-verifications)
• Conduct ad hoc in-depth review of business customers' profiles, identifying red flags and potentially suspicious activity with proper reporting (SAR) and record-keeping
• Carry out tasks assigned by the Team Lead related to business customer activities.
• Prepare internal customer assessments and reports
• Be open to performing other responsibilities associated with the position, such as implementing updates in the internal documentation, drafting instructions, manuals

Skills and qualifications

• At least 1 year of experience in business customer verification
• Upper-intermediate proficiency in English
• Apply a highly analytical mindset to assess KYB documentation and ensure accuracy.
• High attention to detail and ability to accurately review documents for compliance purposes
• Strong verbal and written communication skills
• Ability to multitask and prioritize tasks in a fast-paced environment

As a plus

• Degree in Law
• Advanced proficiency in English
• AML-related courses or certifications

Hiring Steps
Our recruitment process typically includes the following steps: Application Screening –> Interviewing Process & Assessment (TA Interview/Test Assignment/Tech Interview) –> Offer –> Reference Check

Our Values
At PayDo, we live by principles that drive us to excellence:
– Ownership & Initiative: Specialists who take charge and make a difference
– Collaboration & Communication: Together, we achieve more by sharing ideas and insights

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!

We are seeking an experienced compliance professional with a deep understanding of FCA regulations, extensive expertise in the EMI and high-risk sectors, and a proven track record of developing and implementing robust compliance programs. In this role, you will play a key part in ensuring the integrity and security of PayDo's operations, making a direct impact on its success and reputation.

You can expect 

✏︎ Your Team/Streams: Onboarding KYC/KYB, Transaction Monitoring, Anti-Fraud, Regulatory Compliance. 25+ team members (Deputy/ Heads of Units/ Team Leads/ Specialists)
✏︎ Your Focus: Elevate compliance to operational excellence, driving continuous improvement through policy enhancement and advanced tools. Establish PayDo as an industry leader in global compliance, ensuring the highest standards of integrity and security
✏︎ Autonomy: Your strategic thinking will be key to shaping PayDo’s compliance roadmap. You’ll be a trusted advisor in high-level decisions and long-term planning
✏︎ Impactful work: You’ll play a key role in ensuring the integrity and security of PayDo's operations, making a direct impact on the company's success and reputation
✏︎  Remote work: Work from anywhere with the flexibility to create your ideal work environment and maximise your efficiency

Regular responsibilities

Risk Management & Compliance Oversight:

• Develop, implement, and maintain a comprehensive risk and compliance framework, including policies and procedures to mitigate AML/CFT, sanctions, fraud, and other regulatory risks
• Conduct thorough risk assessments and implement effective controls to address identified risks
• Monitor and analyse regulatory changes, ensuring PayDo's compliance policies are updated and aligned with evolving requirements, particularly in payment regulations
• Manage regulatory reporting and communication, ensuring timely and accurate submissions to relevant authorities

Strategic Leadership & Communication:

• Develop and implement a strategic vision for the risk and compliance department, aligning with PayDo's overall business objectives
• Provide regular updates and reports to senior management on compliance matters, including risk assessments, regulatory changes, and performance metrics
• Serve as a key point of contact for regulatory authorities and external auditors
• Drive technological improvements within the compliance department, leveraging internal and external technologies to enhance efficiency

​​Operational efficiency & Compliance processes management

• Drive operational efficiency initiatives to streamline compliance processes and reduce processing times
• Oversee the development and regular refinement of Standard Operating Procedures (SOPs), ensuring their effective implementation and adherence across all units
• Monitor KPIs to drive performance and accountability within compliance functions, with consistent application and ownership at the Head of Units level
• Conduct regular audits and reviews of compliance processes to ensure adherence to internal policies and regulatory requirements

Team Leadership & Management:

• Directly manage teams, conduct regular performance evaluations, identify training needs, and implement development plans to enhance team capabilities
• Foster a collaborative and high-performing team culture, promoting professional development and knowledge sharing
• Lead recruitment efforts for compliance professionals, ensuring the acquisition of top talent to support PayDo's growth

Skills & requirements

• Minimum 5 years of experience in the compliance sphere within financial institutions, with a minimum of 3 years of managerial experience
• In-house experience with the Electronic Money Institution and high risk is a must
• Experience leading a team of 10+ team members is a must
• Strong understanding of relevant FCA regulations and industry best practices in KYC, AML, and risk management
• Experience managing compliance across multiple jurisdictions
• Proven track record of developing and implementing successful compliance programmes, including KYC, AML, and sanctions screening
• Ability to thrive in a fast-paced, dynamic, and rapidly evolving environment
• Strong analytical and problem-solving skills
• Advanced level of English Proficiency, Fluent Ukrainian/Russian language

As a plus

• Professional certification in compliance (e.g., ACAMS, ICA)
• Experience working with international regulatory bodies (FINTRAC, MFSA)

What's In It For You
At PayDo, specialists are at the heart of our innovation and success. Joining our team means accessing unparalleled opportunities to grow, contribute, and thrive in a dynamic FinTech environment.

As an Anti-fraud Analyst, you will be engaged in preventing, detecting, and mitigating fraudulent activities that could pose AML and Regulatory risks, as well as risks related to the organisation’s operations, finances, and reputation. The position is specifically related to transactions where payment cards or any other alternative payment methods are used (top-ups & acquiring).

Your regular tasks

• Fraud Detection and Monitoring: Monitor transactional data, account behaviours, and system logs to detect potentially fraudulent behavior in real-time or through periodic audits
• Investigation and Analysis: Conduct thorough investigations into suspected fraudulent activities, including gathering evidence, interviewing stakeholders, and analysing financial records
• Risk Assessment: Evaluate the potential risks associated with new products, services, or operational processes from a fraud perspective
• Policy Development and Implementation: Develop comprehensive anti-fraud policies, procedures, and protocols aligned with industry standards and regulatory requirements
• Technology Utilisation: Leverage advanced fraud detection technologies to enhance fraud detection capabilities and minimise false positives
• Collaboration and Communication: Work closely with cross-functional teams, including risk management, compliance, legal, and IT departments, to coordinate anti-fraud efforts and share intelligence
• Regulatory Compliance: Ensure compliance with applicable laws, regulations, and industry standards related to fraud prevention and detection

Skills and qualifications

• At least 2 years of Anti-fraud experience (work with cards, alternative payment methods, acquiring solutions)
• Chargeback, refund handling experience
• Proven experience in fraud detection, risk management, or investigative analysis, preferably within the financial services industry
• Strong analytical skills with the ability to interpret complex data sets and identify fraud patterns
• Proficiency in utilising fraud detection tools, software, and platforms (preferably Seon or alternatives)
• Upper-intermediate level of English, Fluent Ukrainian language

As a plus

• Working experience with Seon
• Working experience with acquirers (in PSPs)
• Working experience with alternative payment methods

What’s In It For You
At PayDo, specialists are at the heart of our innovation and success. Joining our team means accessing unparalleled opportunities to grow, contribute, and thrive in a dynamic FinTech environment.

We're thrilled to be expanding our operations into a new market, having recently received a Maltese licence. To support this exciting phase of growth, we are seeking a highly experienced and strategic Chief Financial Officer to establish and oversee all financial aspects of our operations in Malta and globally. Please note, that the position requires a successful candidate to relocate to Malta eventually.
 

Your regular tasks

• Develop and execute financial strategies aligned with the company's goals
• Oversee the preparation and submission of accurate financial reports, ensuring compliance with GAAP and IFRS standards including any other relevant standards
• Manage cash flow, P&L performance and efficient treasure operations
• Financial control experience with a focus on prudent funds and cost management
• Lead internal and external audits, addressing findings effectively
• Build and manage a high-performing finance team
• Develop financial models to aid strategic planning and scenario analysis
• Provide actionable financial insights to support executive decision-making
• Ensure compliance with local and international financial regulations
• The company may require the hired candidate to act as an official representative in interactions with regulators and authorities and appoint for the regulatory representative nomination with the Malta Central Bank, MFSA and any other relevant authorities
• Data extraction, analysis and structuring for reporting purposes
   

Skills & Requirements

• 5+ years of experience in financial roles, at least 1 year of managerial experience
• Experience in fintech or related industries
• Experience with MFSA annual audit for EMI licence compliance
• Knowledge of BR06 report for Malta’s finance industry
• Expertise in auditing and safeguarding accounts 
• Experience with Payments Statistics Survey (CMPSS) and regulatory reporting
• Understanding of payment systems and electronic money operations
• Expertise in regulatory compliance, financial reporting standards (GAAP, IFRS), and tax regulations
• Familiarity with financial reports for regulators, including Central Banks or MFSA (Malta Financial Services Authority)
• Demonstrated success in managing cash flow, liquidity, and audits
• Proficiency in financial analysis, scenario planning, and strategic decision-making
• Experience in corporate finance, including capital structure and budgeting
• Skilled in using financial software and systems to enhance operational efficiency
• Proven ability to lead and develop high-performing teams in dynamic environments
• Familiarity with ERP systems (Odoo, SAP, 1C, Oracle)
• Fluent English and Ukrainian/Russian is a must
• Maltese language would be a plus
• Relocation to Malta (if not Malta-based)
   

Education

• A Master’s degree in Finance, Accounting, or a related field is preferred
• Professional certifications such as CPA, CFA, or ACCA are a pluі

Hiring Steps
Our recruitment process typically includes the following steps: Application Screening —> Interviewing Process & Assessment (TA/Tech/Final Interview) —> Offer —> Reference Check

Our Values
At PayDo, we live by principles that drive us to excellence:
– Ownership & Initiative: Specialists who take charge and make a difference
– Collaboration & Communication: Together, we achieve more by sharing ideas and insights

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!
 

Про компанію PayDo

PayDo is a leading fintech company — an Electronic Money Institution (EMI) fully authorised by the FCA (UK), FINTRAC (Canada), and MFSA (Malta). Operating globally across 150 countries and more than 25 industries, Paydo offers personalised solutions to businesses and individuals. Our platform provides innovative payment solutions, including multicurrency IBAN accounts, merchant services, mass payments, and virtual and plastic cards across the UK, EU, Canada, and globally. Founded in 2017, PayDo has quickly become a top financial service provider of premium and convenient payment services, driven by constant innovation and excellence. We simplify financial operations with a single, user-friendly interface, making global payments accessible and efficient. Join our dynamic team and work on innovative projects that shape the future of fintech