Risk Analyst

PAYCOMET; Barcelona; Hybrid; EUR 35,000 - 45,000; Full time

Benefits offered by this job

Permanent contract

Hybrid working model

Professional growth opportunities

Job summary

An omnichannel payment platform is seeking a Risk Analyst in Barcelona to manage risks within its merchant portfolio. The role includes analyzing merchant applications to ensure compliance with regulations, daily monitoring of account activities, and supporting risk management policies. Candidates should possess a Bachelor's Degree in a related field and have proficiency in both Spanish and English. A hybrid working model and opportunities for professional growth are offered in this dynamic organization.

Qualifications

• 1+ years of experience in payments and risk management preferable.
• Proactive and self-starter profile.
• Collaborative working approach that is structured and effective.

Responsibilities

• Day-to-day risk management within the company's merchant portfolio.
• Review prospective merchant applications for compliance.
• Daily monitoring of merchant account activity.
• Investigate unusual patterns using various information.
• Support execution of risk management policies.

Skills

Proficient in Spanish

Proficient in English

Strong command of Microsoft Excel

Strong analytical skills

Knowledge of payment methods

Understanding of PSD2

Education

Bachelor's Degree in Economics/Business Administration/Management

Job description

PAYCOMET is an omnichannel payment platform that helps companies to sell and collect on products and services worldwide, safely and easily, and which can be integrated into any environment, whether in person or online. Among its services and solutions are the payment gateway, virtual POS, IVR, card tokenization for hotel reservations, escrow for online platforms, and tools for fraud management.

PAYCOMET is currently expanding and we are looking to incorporate a risk analyst to our risk department. As a Risk Analyst you’ll analyze and supervise the risks inherent to the services offered to acquirers and merchants and the compliance with internal and external regulation. You’ll provide research and evaluation of reviews and accurately and sufficiently document analysis and findings.

This role will require interdepartmental collaboration, to ensure that PAYCOMET is able to successfully qualify opportunities from a risk and compliance perspective and lead them to onboarding.

RESPONSIBILITIES

• Responsible for day-to-day risk management within the company's merchant portfolio.
• Review prospective merchant applications to ensure they pass KYC and meet PAYCOMET’s requirements as well as determine the overall risk of the business.
• Daily monitoring of merchant account activity.
• Investigate unusual patterns using various information, such as processing activity, third-party information, and credit bureau reports.
• Take a strategic approach to how PAYCOMET identifies and mitigates risk.
• Support the execution of PAYCOMET’s risk management policies and procedures.

WHAT WE LOOK FOR

• Bachelor's Degree in Economics/Business Administration/Management related field preferable.
• Proficient level in Spanish and English. Must communicate clearly and effectively through both written and verbal skills.
• Strong command of Microsoft Excel
• Strong analytical skills.
• 1+ years of experience in payments and risk management preferable.
• Knowledge of payment methods, acquiring activity, card operations and PSD2
• Proactive and self-starter profile
• A collaborative working approach that is both structured and effective.
• Team player

WHAT WE OFFER

• Permanent contract
• Hybrid working model, with an office in Barcelona city center.
• Professional growth in a young, dynamic, and innovative technology company in full expansion.