Unifiedfinance

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 partnering with an international fintech group to find an experienced Group Chief Risk Officer (CRO) to lead and strengthen the global risk function across regulated entities in the UK and Malta.

🚀 Why this role is worth your attention

• Real business impact: you will shape and drive the Group’s risk strategy
• Direct access to CEO and Boards with a strong influence on key decisions
• International scope: work across multiple jurisdictions and regulators, including Financial Conduct Authority
• Complex and meaningful challenges: PSD3, DORA, operational resilience, financial risks
• Opportunity to build and transform a best-in-class risk function

👉 This is a role for a leader who wants to influence business growth, not just control risk.

🧩 Key responsibilities

• Lead and develop the Group Risk Management Framework
• Define and monitor risk appetite and key risk indicators
• Ensure compliance with UK and Malta regulatory requirements
• Oversee:
  • capital adequacy and liquidity
  • safeguarding of client funds
  • financial crime risks (AML, sanctions)
  • ICT and operational resilience (DORA)
• Act as a key point of contact for regulators and manage supervisory interactions
• Partner with the CEO and Boards on strategic decision-making
• Drive and embed a strong risk culture across the organisation

👤 Candidate profile

• 10+ years of experience in risk leadership within fintech, payments, or banking
• Proven experience working with regulators (FCA, MFSA or equivalent)
• Strong knowledge of:
  • PSD2 / PSD3
  • AML / financial crime frameworks
  • safeguarding and operational risk
• Experience with Visa / Mastercard schemes is a plus
• Strong leadership, analytical, and stakeholder management skills
• Ability to operate at Board level and challenge business decisions
• Strategic mindset with a hands-on approach

🌐 Language requirements

• Fluent English (essential for working with regulators and Boards)
• Fluent Russian

💼 What the company offers

• Hybrid working model across the UK and Malta
• High level of autonomy and influence at Group level
• Opportunity to build and scale the risk function
• Strategic role in a growing fintech business
• International exposure across multiple regulatory environments
• Strong career development opportunities

🌍 Location

UK or Malta (with regular presence across both jurisdictions)

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