Senior Merchant Underwriting & KYB Lead

Satispay; Barcelona; Hybrid; EUR 70,000 - 90,000; Full time

Benefits offered by this job

Private health insurance

Relocation support

Professional development

Hybrid working policy

Job summary

Satispay in Barcelona seeks a Senior Merchant Underwriting Specialist to lead KYB, underwriting, and onboarding for card acquiring. You will turn regulatory and partner requirements into scalable, repeatable processes and guide complex cases.

You will shape risk-based controls, collaborate with Product, Compliance, and FinCrime, and mentor the team as Satispay scales its acquiring proposition across merchants and markets.

Qualifications

• 5+ years in merchant acquiring or equivalent regulated payments environment.
• Direct experience with merchant KYB, onboarding, or underwriting.
• Experience with card-present acquiring, PayFac, and sub-merchant models.
• Solid knowledge of acquiring lifecycle risks (fraud, chargebacks, reserves).
• Ability to design or improve operational processes, policies, and escalation frameworks.
• Ability to translate regulatory, partner, and technical requirements into executable workflows.
• Experience partnering with Product teams on requirements, workflows, and UAT.
• Strong stakeholder management and cross-functional influence in fast-paced contexts.
• Professional English proficiency at a strong business level.

Responsibilities

• Contribute to the merchant underwriting and onboarding framework from eligibility to final approval.
• Define risk-based eligibility criteria and escalation paths for acquiring merchants.
• Translate regulatory and partner requirements into KYB processes and data needs.
• Develop procedures and playbooks that enable consistent team performance.
• Represent KYB needs in product design and participate in UAT for new tools and flows.
• Build and deliver training on merchant acquiring, onboarding risks, and partner requirements.
• Analyze transaction and risk data to assess framework effectiveness and refine controls.
• Evolve the framework to support new merchant segments and broader scale.

Skills

Merchant acquiring

KYB & onboarding

Card-present acquiring

Regulatory knowledge

Process design

Cross-functional collaboration

Product collaboration

Stakeholder management

Data-driven decision making

English proficiency

Job description

Satispay in Barcelona seeks a Senior Merchant Underwriting Specialist to lead KYB, underwriting, and onboarding for card acquiring. You will turn regulatory and partner requirements into scalable, repeatable processes and guide complex cases.

You will shape risk-based controls, collaborate with Product, Compliance, and FinCrime, and mentor the team as Satispay scales its acquiring proposition across merchants and markets.