Unifiedfinance

Unifiedfinance

Joined in 2025
37% answers

We are a UK-based Payment Acquirer and a Principal Member of Visa and Mastercard.

We operate at the top layer of the payments ecosystem and own our financial and technological infrastructure, ensuring full operational control and independence.

The company operates as a fintech scale-up with a strong business focus: fast decision-making, minimal hierarchy, and clear ownership of results.

We work closely with a product company, influence functional development, and use the product as a core tool in our day-to-day operational and compliance processes.

Our work spans the core elements of the payments stack: acquiring, card schemes, transaction flows, risk, compliance, and infrastructure.

  • · 17 views · 0 applications · 1d

    Account Manager

    Full Remote · EU · Product · 3 years of experience · English - C1
    Account Manager (B2B – ISO & PSP Partnerships) FMPay is an international fintech company building modern infrastructure for online payments, digital payouts, and acquiring. We work with PSPs, ISOs, fintech platforms, and global merchants, helping them...

    Account Manager (B2B – ISO & PSP Partnerships)

     

    FMPay is an international fintech company building modern infrastructure for online payments, digital payouts, and acquiring.

    We work with PSPs, ISOs, fintech platforms, and global merchants, helping them scale efficiently, operate reliably, and meet the requirements of a regulated financial environment.

    As we continue expanding our B2B partnerships division, we are looking for a skilled and motivated Account Manager to develop long-term relationships with key partners and ensure the stability of both operational and commercial processes.

    Role Overview

    The Account Manager will be responsible for managing and growing partnerships with ISOs, PSPs, and strategic clients.

    This is a full-cycle, end-to-end position covering all stages of the partner journey — from lead evaluation and onboarding support to performance analysis, risk monitoring, and involvement in compliance processes.

    If you enjoy a blend of analytics, communication, and deep operational immersion into fintech processes, this role is an excellent match.

    Key Responsibilities

    • Build and maintain strong relationships with assigned ISOs, PSPs, and strategic merchants.
    • Act as the main point of contact throughout the entire partnership lifecycle.
    • Conduct regular business reviews, identify growth opportunities, and proactively resolve issues.
    • Oversee the full client journey: from lead qualification and onboarding to integration, operational support, and portfolio optimisation.
    • Take over qualified leads from the Sales pipeline, assess suitability, and guide partners through onboarding requirements.
    • Coordinate cross-functional communication between Compliance, Risk, Operations, Technical, and Finance teams.
    • Monitor key indicators such as volumes, chargebacks, reserves, margins, and overall risk exposure.
    • Support Compliance and Risk teams during periodic reviews, ODD, and KYC/KYB updates.
    • Ensure partner activities remain aligned with scheme rules and internal policies.
    • Maintain accurate CRM records and track all partner interactions, documentation, and operational updates.
    • Provide structured feedback on product needs, market trends, and recurring partner requests.
    • Serve as a bridge between commercial objectives and operational execution.

    Requirements

    Must-Have:

    • 3+ years of experience in account management, partner management, or client success within a PSP, fintech, or acquiring organisation.
    • Strong understanding of card acquiring processes: transaction flows, settlements, chargebacks, reserves, and scheme compliance.
    • Proven experience managing relationships with ISOs, PSPs, or technology-driven partners.
    • Hands-on experience with merchant onboarding and knowledge of KYC/KYB, risk assessment, and due diligence processes.
    • Ability to interpret performance data and convert insights into actionable strategies.
    • High level of independence, organisational skills, and ability to manage multiple projects simultaneously.

    Nice to Have:

    • Experience working with regulated financial institutions.
    • Knowledge of international payment flows and cross-border business models.
    • Additional European language.
    • Experience with CRM and ticketing systems.

    What We Offer

    • Remote work or office locations in Malta/UK (with relocation/administrative support if needed).
    • Opportunity to work with key international partners (ISO, PSP, fintech platforms).
    • High degree of ownership and direct influence on commercial performance.
    • Modern equipment and all necessary tools for productive work.
    • Professional growth within a strong fintech team.
    • Participation in international industry and fintech events.
    • Competitive compensation + performance-based bonuses.

    If you're looking to grow in an international fintech environment, build strong strategic partnerships, and work confidently with payment processes — we’d love to meet you!

     

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  • · 20 views · 1 application · 1d

    Head of Compliance / MLRO (Payments / Acquiring)

    Full Remote · Worldwide · Product · 3 years of experience · English - C1
    About the Company Unified Finance is a UK-registered acquiring company and a Principal Member of the Visa and Mastercard payment schemes. We operate at the top layer of the payments ecosystem and own our financial and technological infrastructure,...

    About the Company

    Unified Finance is a UK-registered acquiring company and a Principal Member of the Visa and Mastercard payment schemes.

    We operate at the top layer of the payments ecosystem and own our financial and technological infrastructure, ensuring full operational control, independence, and deep acquiring expertise.

    The company operates as a fast-growing fintech scale-up, providing card acquiring services to merchants across multiple risk tiers. As the business scales and prepares for increased regulatory oversight, we are strengthening our Compliance and AML functions.

    About the Role

    We are looking for a Head of Compliance / MLRO who will take full ownership of the company’s AML/CTF and regulatory compliance framework.

    This is a hands-on leadership role for an experienced professional capable of ensuring:

    • flawless merchant onboarding,
    • robust oversight of merchant activity,
    • clean and timely regulatory reporting,
      full compliance with FCA requirements, UK/EU AML regulations, and Visa/Mastercard scheme rules.

    Key Responsibilities

    The Head of Compliance / MLRO will be accountable for all core elements of the AML/CTF framework, merchant oversight, and regulatory alignment, including:

    • Managing end-to-end AML/KYC/KYB onboarding for mid-risk and high-risk merchants.
    • Conducting and reviewing CDD / EDD, ownership structures, UBO analysis, sanctions and PEP screening results.
    • Ensuring onboarding processes comply with Visa/Mastercard scheme standards and requirements.
    • Acting as the primary approver (maker role) for compliance-related onboarding decisions.
    • Overseeing ongoing monitoring, including sanctions alerts, adverse media findings, suspicious behaviour indicators, and periodic merchant reviews aligned with defined risk tiers.
    • Preparing and submitting SARs / STRs.
    • Maintaining and regularly updating AML, CDD, EDD, onboarding, and monitoring policies and procedures.
    • Preparing regulatory, internal, and scheme-related compliance reports.
    • Ensuring full compliance with UK/EU AML legislation and card scheme requirements.
    • Monitoring merchant activity for fraud indicators, unusual transaction patterns, and scheme policy breaches.
      Collaborating closely with Risk and Underwriting teams on risk appetite thresholds, merchant categorisation, and escalations.
    • Providing compliance guidance to operational, underwriting, and commercial teams.
    • Delivering regular AML/CTF training programmes to internal staff.
    • Preparing documentation and evidence for internal and external audits.

    Requirements

    Must-Have:

    • 5+ years of experience in AML / Compliance within payments, acquiring, or fintech.
    • Strong understanding of UK and EU AML legislation, as well as Visa/Mastercard scheme rules and requirements.
    • Hands-on experience with sanctions and PEP screening, UBO verification, and enhanced due diligence.
      Ability to assess merchant business models and identify behavioural red flags.
    • Excellent command of EnglishRussian language proficiency is a strong advantage.
    • High personal integrity, strong ethical standards, and independent judgment.
      Strong communication skills with the ability to collaborate with both technical and non-technical stakeholders.
    • problem-solving mindset and readiness to build or rebuild processes in environments with low initial maturity.

    Nice to Have

    • ACAMS / ICA / IMC or similar professional certifications.
    • Previous experience working with high-risk merchants.
    • Understanding of fraud and chargeback flows.
    • Knowledge of GDPR and data-protection principles.

    What We Offer

    • key leadership role within a UK-regulated acquiring institution with significant strategic impact.
      Close collaboration with senior leadership and full ownership of the Compliance / AML function.
    • A competitive compensation package and long-term growth opportunities.
    • A dynamic environment with the opportunity to build compliance processes and frameworks from the ground up.
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