Merchant Onboarding Manager (m/f/d)

Unzer; München; Hybrid; EUR 60,000 - 90,000; Full time

Benefits offered by this job

Hybrid work model

Annual learning budget

Company pension scheme

Confidential counselling

Work from anywhere in the EU

Job summary

Unzer seeks an experienced Merchant Onboarding Manager to deliver a compliant, customer-centric onboarding experience for merchants across multiple payment products. You will perform risk assessments, conduct KYC/KYB checks, and ensure ongoing due diligence throughout the lifecycle.

The role requires strong analytical skills, attention to detail, and excellent communication with merchants and internal teams.

Qualifications

• 1–3 years of experience in merchant onboarding, KYC/KYB, AML/CFT, or financial services.
• Understanding of payment products and merchant acquiring processes.
• Strong knowledge of AML/CFT legislation and due diligence requirements.
• Ability to analyse corporate structures and ownership chains.
• Experience with CRM and onboarding platforms (MS Dynamics, Console).
• Excellent communication and documentation skills.

Responsibilities

• Manage end-to-end onboarding cases for new and existing merchants across payment products.
• Perform merchant risk assessments and due diligence including sanctions and adverse media screening.
• Execute ongoing due diligence, periodic reviews and remediation activities.
• Review and validate documentation, ownership structures, and contracts for regulatory compliance.
• Monitor cases, identify missing information, and coordinate with merchants and stakeholders to close cases.
• Escalate high-risk cases to Compliance or Risk teams as needed.
• Facilitate technical and billing onboarding and ensure proper handover to downstream teams.
• Ensure cases are completed within SLAs and in line with policies and standards.
• Apply new regulatory and internal policy requirements as processes evolve.
• Maintain accurate case records in relevant systems and identify process improvements.

Skills

Merchant onboarding

KYC/KYB/AML

AML/CFT

CRM experience

Analytical skills

Communication skills

Documentation & attention to detail

Microsoft Office

Tools

MS Dynamics

Console

Job description

About Us

Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow.

About Us

Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow.

At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they choose to shop. We are a team of over 750 experts from 50+ different nationalities, dedicated to creating a state-of-the-art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience.

Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference.

Our offices: We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.

About The Team

The Merchant Onboarding Manager is responsible for delivering a seamless, compliant, and customer-centric onboarding experience for both prospective and existing merchants throughout onboarding and ongoing lifecycle due diligence activities. The role ensures that merchants are onboarded efficiently while meeting all regulatory, compliance, and internal policy requirements.

What your work will look like:

• Manage assigned end-to-end onboarding cases for new and existing merchants across all supported payment products using the relevant onboarding systems.
• Perform merchant risk assessments and KYC/KYB/AML due diligence, including Sanctions-, PEP-, and Adverse Media screening, in accordance with internal and regulatory requirements.
• Execute Ongoing Due Diligence (ODD), periodic reviews, trigger event reviews and remediation activities for existing merchants throughout the customer lifecycle.
• Review and validate customer documentation, corporate ownership structures, Ultimate Beneficial Owners (UBOs), authorized signatories, contractual documentation and supporting evidence to ensure completeness and regulatory compliance.
• Monitor onboarding cases, identify missing information and proactively coordinate with merchants and internal stakeholders to drive cases to completion.
• Escalate complex or high-risk cases to Compliance, Risk or other relevant stakeholders where appropriate.
• Facilitate technical and billing onboarding by executing required activities and/or ensuring complete and accurate handover to the relevant downstream teams.
• Ensure assigned cases are completed accurately, within agreed SLAs, and in accordance with regulatory requirements and internal quality standards.
• Apply new regulatory and internal policy requirements as processes evolve.
• Maintain accurate documentation and case records in the relevant systems.
• Identify opportunities to improve operational efficiency and contribute ideas for process improvements within the team.

What you need to be successful in this role:

• 1–3 years of experience in merchant onboarding, KYC/KYB, AML/CFT, or financial services.
• Understanding of payment products and merchant acquiring processes.
• Good understanding of AML/CFT legislation, KYC/KYB/ODD requirements, including Sanctions-, PEP, and Adverse Media screening.
• Ability to analyse corporate structures, ownership chains and contractual documentation.
• Experience working with CRM and onboarding platforms (e.g., MS Dynamics, Console, or equivalent).
• Strong analytical and problem-solving skills.
• Excellent communication skills with both customers and internal stakeholders.
• High attention to detail and documentation quality.
• Proficiency in Microsoft Office applications.

What We Offer

More than a workplace. A place to grow.

At Unzer, colleagues from 50+ nationalities across four countries work together to create better outcomes for our merchants. We take ownership, move with pace and keep raising the bar—as one team.

We set high expectations and give you the flexibility, learning opportunities and practical support to do your best work, grow your impact and build a sustainable career.

Flexibility that works

Combine focused time at home with connection and collaboration in the office. Our hybrid setup includes two office days per week.

Work from anywhere in the EU

Change your perspective and work from another EU country for up to 15 days per year.

Keep raising the bar

Use an annual learning budget of €1,000 for courses, conferences, certifications and other development opportunities that help you grow and increase your impact.

Support when you need it

Access confidential counselling whenever you need support with personal or professional matters.

Build your future

Look ahead with our company pension scheme and take care of your long-term financial wellbeing.

Benefits may vary by location and employment setup. Your recruiter will share the details relevant to your role.

*Unzer is an equal employment opportunities workplace, and we commit to hiring regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law. Please refrain from including your picture and age with the application.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us. You can also find our applicant privacy information here: https://shorturl.at/Zwhtv