Unifiedfinance

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 Payment Risk & Monitoring Specialist to become the first dedicated risk professional within our UK payments business.

This is a hands-on role focused on transaction monitoring, fraud prevention, merchant risk oversight, and payment risk management. The successful candidate will work directly with the CEO and key business stakeholders to build and develop the risk function as the company grows.

For the right person, this role offers a clear opportunity to take ownership of the risk area and evolve into a Risk Manager / Head of Risk position in the future.

Responsibilities

• Monitor payment activity and identify suspicious transaction patterns
• Conduct transaction and merchant reviews
• Investigate fraud cases and high-risk activities
• Monitor chargebacks, disputes, refunds and payment performance indicators
• Participate in merchant onboarding and risk assessment processes
• Analyze payment trends and identify emerging risks
• Develop and improve monitoring procedures and controls
• Collaborate with PSPs, acquiring partners and internal stakeholders
• Prepare risk reports and recommendations for management
• Participate in building and scaling the company's risk function

Requirements

• Experience in Payment Risk, Fraud Prevention, Transaction Monitoring, Merchant Monitoring or Risk Operations
• Experience within fintech, payments, acquiring, e-commerce, iGaming or related industries
• Strong analytical mindset and ability to investigate suspicious activities
• Understanding of chargebacks, fraud schemes and payment flows
• Experience working with monitoring tools, reporting and data analysis
• Ability to work independently and take ownership of processes
• English sufficient for professional communication

Nice to have

• Experience with merchant underwriting
• Experience working with acquiring businesses or PSPs
• Experience with fraud prevention tools, device intelligence or transaction monitoring systems
• SQL or data analysis skills

What we offer

• Direct reporting line to the CEO
• Opportunity to build and shape the risk function
• High level of ownership and visibility within the business
• International fintech environment
• Clear career growth path toward Risk Manager / Head of Risk

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!

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

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.