TodaPay

TodaPay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

The Payment Operations & Routing Manager is responsible for the efficient and uninterrupted operation of our payment network: MID limits, traffic distribution across checkout pages and providers, GEO routing, cascades, traffic launches, and response to technical incidents. The role covers card acquiring, alternative payment methods (APMs), payouts, and crypto channels. The goal is to maximize approval rate and processing stability while operating strictly within risk constraints.

Responsibilities

• Monitor and distribute daily, monthly, and per-transaction limits across acquiring MIDs; proactively rebalance volumes to avoid limit breaches.
• Create and track tasks for the technical team to set, adjust, or remove limits on providers and terminals.
• Plan and split traffic across MIDs linked to showcases/checkout pages; balance load to avoid conversion drops and anomalous spikes.
• Prepare and run traffic launches: brief front-end and showcase teams, verify payment form readiness and cascades, monitor approval rate and errors after launch.
• Configure and monitor GEO routing and cascades; match card BINs and user GEOs to the most efficient MIDs and providers, increasing local-to-local routing.
• Monitor approval rate in real time, detect conversion drops by provider, method, and showcase, and switch traffic to backup MIDs during incidents according to the approved emergency procedure.
• Run post-incident reviews: cause, duration, losses, and actions taken.
• Recommend cascade and provider changes to BizDev to improve merchant conversion; control the agreed FTD/TD traffic split.
• Maintain the routing plan and a complete change log (what changed, when, why, who initiated and executed, and the actual effect).
• Prepare daily, weekly, and monthly reports on approval rate, limit usage, incidents, and network performance, with optimization proposals.
• Work within the restrictions set by the risk team and the approved policy; routing changes never go beyond the risk constraints registry.

Requirements

• Hands-on experience in payment operations, routing, or account management at a PSP or acquirer; high-risk processing is a plus.
• Understanding of MIDs, cascading, BIN/GEO routing, 3DS, and the factors that influence approval rate.
• Experience working with checkout pages and payment forms, and collaborating with front-end and product teams.
• Confident use of Excel/Google Sheets and Jira; SQL and BI tools are a plus.
• Experience creating and maintaining a change log for routing, limits, or payment system settings.
• Ability to make fast decisions during incidents and work in real time.
• English at B2 (Upper-Intermediate) or higher for working with documentation, providers, and acquirers.
  
  We offer 
• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

TodaPay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures. 

We are looking for an experienced Senior AML & Compliance Specialist to strengthen our Compliance team and help build a scalable compliance framework that supports our continued growth.

This is a hands-on role for someone who enjoys solving complex compliance challenges,
designing efficient processes, and working closely with business teams.

Responsibilities:

• Design, implement, and continuously improve AML and compliance processes, controls, and monitoring frameworks, including fraud and chargeback management.
• Develop, review, and maintain AML, compliance, and risk-related policies, procedures, and internal controls.
• Oversee customer and business partner onboarding, including KYC, KYB, sanctions screening, enhanced due diligence, and ongoing monitoring.
• Ensure compliance with applicable AML/CFT regulations and internal compliance standards.
• Support compliance with payment processing, card acquiring, and card scheme (Visa and Mastercard) requirements.
• Work closely with Product and Commercial teams to embed compliance requirements into business processes.
• Monitor regulatory developments and assess their impact on the business, recommending updates to policies and procedures where necessary.
• Contribute to the continuous improvement of internal workflows, operational efficiency, and risk management practices.
• Support internal and external audits, regulatory requests, and partner due diligence processes.

• 3+ years of AML and compliance experience within a fintech company, Payment Service Provider (PSP), Electronic Money Institution (EMI), or another regulated financial institution.
• Strong knowledge of AML/CFT regulations, compliance frameworks, and industry best practices.
• Practical experience with payment processing, card acquiring, and the payments ecosystem.
• Good understanding of Visa and Mastercard rules and compliance requirements.
• Experience with fraud prevention, transaction monitoring, and chargeback management.
• Experience working with merchants operating in high-risk industries such as online gambling, betting, forex, crypto, or similar sectors.
• Proven experience designing, documenting, and implementing AML and compliance policies, procedures, and internal controls.
• Strong analytical skills with the ability to investigate, assess, and resolve complex or ambiguous compliance cases.
• Excellent written and spoken English.

• Strong ownership mindset with the ability to work in a Team and Independently.
• Pragmatic and solution-oriented approach to compliance and risk management.
• Excellent analytical thinking and sound judgment when assessing complex or ambiguous cases.
• Strong communication and stakeholder management skills, with the ability to collaborate effectively across teams.
• Ability to balance regulatory requirements with business objectives in a fast-paced environment.
• Highly organized with exceptional attention to detail.
• Adaptable, proactive, and comfortable working in a growing fintech environment.
• High level of integrity, professionalism, and discretion when handling sensitive
• information.

• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

TodaPay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures. 

The Payment Risk Analyst is an independent control function responsible for identifying, analysing and preventing payment risks at the level of merchants, MIDs, channels and providers. The role covers all payment channels: card acquiring, alternative payment methods (APM), payouts and crypto channels. The analyst is not responsible for conversion, volumes or revenue.

Goal of the role: to identify and mitigate payment risks (chargebacks, fraud, penalties and blocks from card schemes and acquirers, insufficient reserve coverage) in a timely manner, and to give the business well-founded risk recommendations independent of commercial interests.

Responsibilities:

Chargeback, refund and fraud monitoring

• Monitor chargeback and refund rates by merchant, MID, provider and payment method.
• Track card scheme monitoring programs (Visa VAMP, Mastercard ECM / EFM) and set internal early-warning thresholds below program limits.
• Analyse fraud rates, fraud patterns and chargeback reason codes; forecast threshold breaches.
• Propose adjustments to anti-fraud rules based on identified patterns.

Merchant risk monitoring

• Detect anomalies in merchant behaviour (card-only traffic, sudden FTD spikes, atypical average tickets, changes in GEO and BIN mix).
• Track merchants approaching critical chargeback and fraud thresholds.
• Issue early warnings to BizDev and Payment Operations when traffic moves into a higher-risk zone.
• Recommend restrictions where needed: disabling risky GEOs, blocking specific BINs, or switching off a payment method when risk outweighs earnings.

New merchant onboarding and ramp-up

• Prepare risk assessments for new merchants based on processing history and payment traffic, using Compliance results without duplicating its checks.
• Define starting limits (daily and monthly volume, average ticket) and a schedule for gradually raising them.
• Review limits based on actual performance and recommend increasing, maintaining or lowering them.

Financial risk coverage

• Monitor accumulated Rolling Reserve and available settlement balance per merchant.
• Make sure there are always enough funds (RR + settlement) to cover potential penalties; recommend disabling risky methods when coverage is insufficient.
• Recommend changes to minimum settlement or payout schedule when risk rises sharply.

Payout and alternative channel risks

• Monitor payouts for abnormal amounts and frequency, new or repeated payout details, and mismatches with the merchant’s incoming volume.
• Monitor APM and crypto channels for abnormal volumes, atypical counterparties and signs of circumventing restrictions.

Risk restrictions register and decision log

• Maintain an up-to-date register of restrictions by merchant, GEO, BIN, method and MID, with the reason, date and review deadline.
• Hand restrictions over to Payment Operations for implementation, and verify that actual routing matches the register and assess the effect.
• Keep a full log of risk decisions (date, initiator, reason, basis, executor, actual effect).
• Make sure a problematic merchant’s traffic is not redistributed between MIDs or providers solely to bypass monitoring program thresholds.

AML signals

• Immediately pass signs of suspicious transactions, schemes and possible AML violations to Compliance.

Reporting

• Weekly risk report on merchants, MIDs, channels and providers.
• Monthly overview for management: risk metrics trends, restrictions introduced and lifted, and their actual effect.
  
  Requirements: 
• Practical experience in payment risk analytics, fraud monitoring or chargeback management; high-risk processing experience is an advantage.
• Understanding of the chargeback lifecycle, reason codes, and Visa and Mastercard requirements (including VAMP, ECM / EFM).
• Understanding of Rolling Reserve and settlement mechanics, and of payout risks.
• Confident Excel / Google Sheets skills; SQL and BI tools are desirable at entry and become necessary as the team moves to an automated dashboard.
• Experience maintaining a change log for restrictions, limits or payment system settings.
• Strong analytical skills: able to draw concise conclusions and argue recommendations.
• Ability to keep analytical conclusions independent under commercial pressure.
• English at B2 (Upper-Intermediate) or higher for working with documentation, providers and acquirers.
  
  We offer
• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays day
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

• Understanding of high-risk market specifics and egulatory constraints
• ISO 8583 / ISO 20022
• Knowledge of financial messaging protocols
• Rolling Reserves & Dispute Management
• Hands-on experience describing and automating these processes
• Platform Migration Experience
• Participation in consolidation or re-platforming projects in fintech

• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

• 5+ years of experience in business development, partnerships, payments, fintech, or an EMI-licensed environment.
• Visa/Mastercard Scheme Knowledge: Practical experience working with principal members/acquirers of Visa and Mastercard, with a solid understanding of scheme rules, interchange fees, and acquiring models.
• Banking & Account Mechanics: Deep understanding of how bank accounts operate within financial institutions (safeguarding, operational, Nostro/Vostro, virtual IBANs) and their operational setups.
• Liquidity Providers & FX: Hands-on understanding of how Liquidity Providers (LPs) work, cross-border FX execution, settlement flows, and treasury mechanisms.
• Banking & Onboarding Expertise: Experience interacting with banking partners, including bank-side onboarding workflows, institutional KYB procedures, and risk appetite criteria.
• High-Risk Ecosystem Knowledge: Strong understanding of the high-risk payments ecosystem, card acquiring, APMs, and business models in Gambling / Betting.
• EMI & Banking Infrastructure: Familiarity with EMI operational standards and clearing rails (SEPA, SWIFT, local clearing).
• Tool Proficiency: Practical experience with CRM and workflow tools such as Pipedrive, Jira, and Confluence.
• Communication & Negotiation: Excellent negotiation, commercial reasoning, and stakeholder management skills.
• Language: Fluent English (both written and spoken).

• Provider, Bank & Card Scheme Analysis: Analyze current payment service providers (PSPs), acquirers, Visa/Mastercard principal members, and banking partners to optimize pricing, routing, and commercial terms.
• Full-Cycle Onboarding & Banking Operations: Manage the full onboarding lifecycle for payment partners, liquidity providers, and banks—from sourcing and KYB due diligence to technical integration and production launch.
• Partner Network Expansion: Search for and engage new payment partners, financial institutions, and Visa/Mastercard principal acquirers in line with company strategy, C-level requests, and Account Management needs.
• Relationship & Liquidity Management: Build and maintain strong relationships with banks, acquirers, PSPs, and Liquidity Providers (LPs) to support smooth settlement flows and liquidity management.
• Banking & Account Infrastructure Support: Oversee operations related to bank account structures (safeguarding, operational, Nostro/Vostro, vIBANs), managing transactional limits and ongoing compliance syncs.
• System Documentation: Maintain accurate documentation in Pipedrive CRM, Confluence, and comparative analytical tables of payment/banking/liquidity solutions.
• Pipeline & Risk Monitoring: Track partnership pipelines, negotiation progress, bank risk appetites, and implementation timelines

• Existing network of contacts with Visa/Mastercard principal members, Tier-1/Tier-2 banks, Liquidity Providers, and high-risk PSPs.
• Deep knowledge of multi-currency liquidity routing and cross-border settlement optimization.
• Experience supporting complex commercial negotiations in fast-scaling fintechs or EMIs.

• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees

• 3+ years of experience in business development, partnerships, payments, fintech, or a related field.
• Strong understanding of the high-risk payments ecosystem and business models in Gambling/Betting.
• Experience with due diligence, onboarding, and launch processes for payment partners.
• Practical experience with CRM and workflow tools such as Pipedrive, Jira, and Confluence.
• negotiation and commercial communication skills.
• Ability to manage multiple partnership opportunities and projects simultaneously.
• organizational and reporting skills.
•  English B2/C1 

• Analyze current payment service providers (PSPs) and identify opportunities to optimize pricing and commercial terms.
• Manage the full cycle of payment provider onboarding, from sourcing and negotiations to launch in production.
• Search for and engage new payment partners in line with company strategy, C-level requests, and Account Management needs related to target geographies and payment solutions.
• Build and maintain strong relationships with acquirers, PSPs, and other payment partners.
• Support the connection of merchants by requesting and coordinating MID issuance with payment providers.
• Maintain accurate and structured documentation in internal systems, including:
  • Pipedrive CRM
  • Confluence knowledge base
  • comparative analytical tables of payment solutions
• Monitor partnership pipeline, negotiation progress, and implementation status.
• Prepare regular reports for Head of Business Development and CBDO on KPIs, pipeline status, risks, and growth opportunities.
• Conduct regular knowledge-sharing sessions with the Account Management team regarding new or existing payment solutions.
• Participate in negotiations with payment partners and represent the company within delegated authority.
• Propose improvements to partnership processes and payment network developmen

• Existing network within the payments industry, especially among acquirers, PSPs, and high-risk payment providers.
• Experience working with international payment markets and alternative payment methods.
• Experience supporting commercial negotiations in fast-scaling fintech or payment businesses.

• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees