Unifiedfinance

Unifight Finance is a fintech company operating in the payments / merchant acquiring space.

We are building a regulated payments infrastructure in the UK — and key functions, including compliance, are being designed from scratch (not maintaining legacy systems).

We are looking for someone who doesn’t “maintain compliance” - but builds it properly from the ground up.

You will be:

• the owner of the regulatory compliance function
• the internal auditor who actually challenges the business
• the person who can say “this is a risk” — and fix it

What you’ll be doing

• Build and own the Safeguarding Framework (PSR 2017)
• Run real internal audits across Finance and Operations
• Ensure safeguarding accuracy (reconciliation, segregation, deadlines)
• Own the breach register and investigate root causes
• Manage regulatory reporting to the Financial Conduct Authority (FCA Connect / RegData)
• Translate regulatory changes into real business processes
• Prepare board-level reporting (Compliance MI packs)
• Own Consumer Duty and conduct risk
• Ensure compliance with Visa / Mastercard frameworks (GARS / BRAM)

Who we’re looking for

• 5+ years in payments (EMI / PI / acquiring)
• Strong, hands-on knowledge of PSR 2017 and safeguarding
• Solid understanding of settlement cycles (T+1 / T+2)
• Experience submitting FCA reports
• Ability to identify issues — and actually resolve them

Not a fit if

• AML / Financial Crime only background
• Policy-only / theoretical compliance
• Banking compliance without payments exposure
• Consulting without ownership

Why this role stands out

• Build the compliance function from scratch
• Direct reporting line to CEO
• No AML — pure regulatory focus
• High ownership and autonomy
• Real impact on business and product

Conditions

• Remote / Hybrid / London
• Full-time, 9:00–18:00 UK time
• Direct reporting to CEO
• Fast decision-making environment
• Compensation discussed individually

About the Company

We are a UK-based fintech/payment company regulated by the FCA. We operate our own payment infrastructure, collaborate with Visa and Mastercard, and provide payment solutions for international businesses.

As part of our continued growth, we are looking for a Compliance & Risk Manager who will help build and strengthen our Compliance and Risk functions, ensuring regulatory compliance while supporting a robust risk management framework.

Key Responsibilities

• Develop, maintain, and enhance the company's Compliance Framework.
• Draft, review, and update internal policies and procedures.
• Monitor regulatory changes and ensure ongoing compliance with applicable laws and regulations.
• Prepare internal compliance documentation and participate in regulatory initiatives.
• Conduct Compliance and Risk Assessments.
• Support the development and continuous improvement of the company's risk management framework.
• Collaborate with internal stakeholders, external auditors, consultants, and payment partners.
• Support interactions with Visa, Mastercard, banks, and other financial institutions.
• Participate in internal and external audits and prepare the required documentation.
• Monitor compliance with internal policies, procedures, and regulatory requirements.
• Contribute to AML, KYC, Fraud Monitoring, and Transaction Monitoring processes together with relevant stakeholders.
• Prepare reports, recommendations, and management updates for the CEO.

Requirements

• At least 5 years of experience in Compliance, Risk, or AML within fintech, PSP, EMI, acquiring, or banking.
• Hands-on experience developing and maintaining internal compliance policies and procedures.
• Good understanding of FCA requirements or other European financial regulatory frameworks.
• Experience conducting Risk Assessments and implementing control frameworks.
• Strong understanding of the payments industry, including KYC, AML, and Fraud Prevention.
• Experience working with Visa, Mastercard, banks, or payment providers will be considered an advantage.
• Ability to work independently, prioritize tasks, and take ownership of projects.

Languages

• English - Upper-Intermediate (B2) or higher, with the ability to work confidently with documentation and communicate in an international environment.
• Ukrainian or Russian - fluent.

Nice to Have

• Experience working in licensed EMI or PI institutions.
• Experience supporting regulatory audits and communicating with regulators.
• Knowledge of Consumer Duty, Safeguarding, DORA, PSD2/PSR.
• Experience implementing Compliance Tech solutions, AI tools, or monitoring automation.

What We Offer

• The opportunity to shape and develop the company's Compliance & Risk function.
• A key role within an international fintech company.
• Direct collaboration with the CEO and senior leadership.
• Flexible remote working environment.
• Competitive compensation package.
• Excellent opportunities for professional growth and career development.

We are an acquiring/payments company operating in the UK market and expanding our international payment infrastructure.

We are currently building our Risk function and looking for a hands-on Risk Manager to own merchant acquiring risk and protect the company from financial losses.

Important

This is NOT:

• an AML/KYC role
• traditional banking credit risk
• treasury risk
• market risk
• ICAAP / PD-LGD modelling
• operational fraud support role

We are specifically looking for someone with hands-on experience in:

• merchant acquiring
• PSP/payments
• merchant underwriting
• acquiring exposure management
• fraud-related financial loss prevention

Main Goal of the Role

Protect the company from financial losses through:

• merchant underwriting
• exposure calculation
• reserve management
• payout control
• transaction monitoring
• fraud detection
• acquiring risk mitigation

Responsibilities

Merchant Underwriting & Exposure Management

• Analyze merchant business models and financial statements
• Assess delayed delivery exposure
• Calculate maximum potential loss
• Make merchant approval/rejection decisions
• Define:
  • rolling reserves
  • fixed reserves
  • deferred settlements
  • processing limits
  • payout restrictions

Transaction Monitoring & Fraud Risk

• Monitor transaction activity and merchant behavior
• Identify:
  • suspicious volume spikes
  • refund anomalies
  • bust-out fraud patterns
  • chargeback risks
• Configure fraud/risk rules
• Freeze payouts when financial risk is detected

Risk Infrastructure & Processes

• Improve monitoring frameworks
• Build risk dashboards
• Develop merchant risk profiles
• Enhance risk controls and automation

MUST HAVE EXPERIENCE

Required background:

• Merchant Acquiring
• PSP / Payment Gateway
• High-risk merchants
• Merchant Underwriting
• Acquiring Risk
• Payment Risk
• Fraud/Risk Monitoring

Strong understanding of:

• acquiring liability
• chargeback exposure
• settlement cycles
• reserve management
• payout control
• exposure calculation

Candidates are NOT suitable if their experience is limited to:

• retail banking credit risk
• treasury risk
• market risk
• quantitative banking modelling
• AML-only background
• onboarding-only roles

Ideal Candidate

A hybrid between:

• Merchant Risk Manager
• Acquiring Risk Owner
• Fraud/Risk Analyst
• Merchant Underwriter

What We Value

• Commercial skepticism
• Fast decision-making
• Strong ownership mindset
• Ability to act under pressure
• Pragmatic balance between risk and business growth

Examples of Real-Life Tasks

• Calculate maximum financial exposure for a travel merchant
• Decide on reserve hold requirements for high-risk merchants
• Freeze payouts based on suspicious transaction activity
• Prevent bust-out fraud before funds leave the system

We are looking for an experienced Integration Manager to lead payment integrations and coordinate projects involving payment providers, acquiring banks, and card payment processing systems.

This role sits at the intersection of business, operations, and technology and requires strong stakeholder management, integration delivery experience, and a solid understanding of the payments ecosystem.

You will be responsible for managing the full lifecycle of integrations — from requirements gathering and planning through testing, production launch, and post-launch support.
Key Responsibilities

• Manage end-to-end integrations with PSPs, acquiring banks, payment gateways, and other payment partners.
• Coordinate integration projects from requirements gathering through production launch and post-release support.
• Act as the primary point of contact between internal teams and external payment partners.
• Gather, document, and manage business and technical requirements.
• Coordinate development, QA, and operational teams during implementation and rollout.
• Track project timelines, dependencies, risks, and deliverables.
• Support testing activities, UAT, certification processes, and production releases.
• Collaborate with Product, Engineering, Compliance, Risk, and Operations teams.
• Participate in issue investigation, payment incident resolution, and post-launch monitoring.
• Maintain project documentation, integration specifications, and implementation plans.
• Ensure successful delivery while balancing business priorities and technical constraints.

Required Qualifications

Key Requirement

Hands-on experience working with Visa, Mastercard, acquiring banks, PSP integrations, or card payment processing systems is mandatory.

Candidates should have practical experience participating in projects involving:

• Visa and/or Mastercard
• Acquiring banks
• Payment Service Providers (PSPs)
• Payment gateways
• Card payment processing
• Merchant acquiring solutions

Professional Experience

• 3+ years of experience in Payments, FinTech, Banking, Financial Services, or related industries.
• Experience managing integration or implementation projects.
• Strong understanding of the card payment lifecycle:
  • Authorization
  • Capture
  • Settlement
  • Reconciliation
  • Chargebacks
• Experience working with REST APIs and third-party integrations.
• Strong stakeholder management and communication skills.
• Ability to coordinate cross-functional teams and external partners.
• Upper-Intermediate or higher English level.

Nice to Have

• Experience with payment orchestration platforms.
• Knowledge of PCI DSS requirements.
• Experience with 3DS / 3DS2.
• Knowledge of ISO 8583 and/or ISO 20022.
• Experience in iGaming, FinTech, Banking, or eCommerce.
• Experience with Jira, Confluence, Postman, and SQL.
• Product Management or Business Analysis experience.
• Experience working directly with C-level stakeholders.

What We Offer

• Competitive compensation package.
• Fully remote work environment.
• Opportunity to work on international payment products and integrations.
• Direct exposure to payment providers, acquiring banks, and card payment ecosystems.
• High level of ownership and impact on business results.
• Professional growth opportunities within the FinTech and Payments industry.
• Collaborative, fast-paced, and supportive team environment.
• Flexible decision-making processes and minimal bureaucracy.

We are looking for an experienced Senior Project Manager / Delivery Manager to lead the delivery of complex software solutions within the FinTech and Payments domain.

The successful candidate will be responsible for managing cross-functional teams, coordinating stakeholders, driving end-to-end project delivery, and ensuring successful implementation of payment-related products and integrations.

IMPORTANT SELECTION CRITERIA

Candidates with hands-on experience managing projects involving Visa, Mastercard, payment processing, payment gateways, PSP integrations, acquiring, issuing, banking integrations, payment orchestration, or card transaction systems will be strongly preferred.

Please clearly indicate:

Experience working with Visa and/or Mastercard
PSP (Payment Service Provider) integrations
Acquiring and issuing solutions
Payment gateways
Banking integrations
PCI DSS, 3DS / 3DS2
Reconciliation and settlement processes
Transaction processing platforms

This experience is not mandatory but will be considered a significant advantage during the selection process.

Required Qualifications

5+ years of experience as a Project Manager, Delivery Manager, Program Manager, Technical Project Manager, or similar role.
Proven experience managing software development projects and distributed engineering teams.
Strong understanding of SDLC and Agile methodologies.
Excellent stakeholder management and communication skills.
Experience with Jira, Confluence, or similar project management tools.
Upper-Intermediate English (B2+) or higher.

Key Responsibilities

Lead end-to-end software delivery from discovery and planning through release and post-production support.
Manage project scope, timelines, budgets, resources, risks, and dependencies.
Coordinate cross-functional teams including Software Engineers, QA Engineers, Business Analysts, Product Owners, Designers, and DevOps Engineers.
Facilitate Agile delivery processes (Scrum, Kanban, Hybrid).
Ensure alignment between business goals and technical execution.
Manage stakeholder communication at all levels, including senior leadership.
Drive project governance, reporting, and delivery predictability.
Coordinate third-party vendors, banking partners, and payment providers when required.
Ensure successful release planning and execution.
Identify and mitigate delivery risks proactively.

Nice to Have

FinTech, Banking, Payments, or Financial Services domain experience.
Experience with API-driven platforms and integrations.
SaaS product delivery experience.
Cloud-based environments (AWS, Azure, GCP).
Product Management experience.
Experience working with C-level stakeholders.

What We Offer

Work on strategic FinTech and Payments initiatives with real business impact.
Opportunity to participate in projects involving payment processing, banking integrations, Visa/Mastercard-related ecosystems, and financial services products.
High level of autonomy and ownership.
Direct interaction with senior stakeholders and decision-makers.
International team and remote-first culture.
Competitive compensation aligned with market standards.
Long-term project stability.
Professional growth within a fast-moving technology environment.
Opportunity to shape delivery processes and influence product direction.