Fraud Risk Manager - Europe

OnCommerce; Dublin; On-site; EUR 90,000 - 130,000; Full time

Job summary

OnCommerce is seeking a Risk Manager based in Europe to own risk and payments decisioning across the EU region. You will translate group risk policies into local, actionable controls that protect customers and revenue while maintaining marketplace integrity.

You will implement governance for fraud prevention, monitor KPIs, and lead escalation on high-risk cases—partnering with Customer Response and Seller Success teams to resolve issues efficiently.

Responsibilities

• Policy Implementation & Governance: Localise group-level fraud and risk policies into clear, actionable procedures for European operations, aligning with regulatory obligations.
• Fraud & Risk Operations: Provide insight to the Head of Risk on EU monitors; manage cases involving payments fraud and risk; final decision authority for seller risk in Europe.
• Seller Onboarding & Marketplace Integrity: Own the seller activation risk framework and due-diligence triggers for European onboarding.
• Disputes, Chargebacks & Scheme Compliance: Lead scheme compliance matters and monitor disputes and chargebacks across Europe.
• Payments & Acquirer Relationship Ownership: Manage relationships with PSPs (including Adyen) for Europe; sign off on risk settings and onboarding.
• Risk Assessment & Reporting: Monitor KPIs and loss trends; report to Head of Risk and identify emerging risks across regions.

Job description

Who are OnCommerce? OnCommerce is a global selling platform that powers a growing network of retail channels, including:

• OnBuy - The only marketplace in the world to give customers instant Cashback on everything
• easyShop - An all-new marketplace created in collaboration with the easy® family of brands
• Comet - The iconic UK tech brand making its return later this year

OnCommerce is growing fast, launching new brands and scaling to power the future of ecommerce.

Be Part of the Story

OnCommerce is constantly evolving. Everyone here plays a hands-on role in shaping what comes next, building brands that make an impact across global markets. There's no red tape or rigid corporate structure; just smart people taking ownership and figuring things out as we build something big together. The pace is fast, priorities shift, things aren't always perfectly set up, and you'll often need to get stuck in and solve problems. But if you thrive in that kind of environment, you'll have real influence, real ownership, and the chance to grow with a rapidly scaling business.

Role Overview

The Risk Manager will act as the primary Europe based decision-maker for marketplace risk and payments, owning the implementation of global risk and fraud processes across the European region. The role translates the risk appetite and risk policies defined at Group level into locally controlled, executable decisions that protect customers, safeguard revenue, and maintain marketplace integrity. This role blends operational execution, analytical insight, and delegated executive authority for marketplace decisions across the European region, and represents OnBuy (EU) Limited as its local risk, payments, and scheme-facing owner.

Key Responsibilities

• Policy Implementation & Governance

  Localise group-level fraud and risk policies into clear, actionable procedures for in scope European operations. Ensure alignment with the marketplace's risk appetite, commercial goals, and regulatory obligations, while defining specific controls and thresholds for the European region, where required by scheme or regulatory differences. Escalate material policy deviations where they exceed delegated authority, ensuring day-to-day risk decisions are taken locally within the European region.

• Fraud & Risk Operations

  Provide insight to the Head of Risk across the specific monitors required to ensure compliance within the EU, and to maintain oversight across buyer and seller journeys for transactions across all regions. Manage complex cases involving payments fraud, account takeovers, prohibited goods, and product-related risks impacting customers across all regions. Hold final decision-making authority for seller risk actions, including suspensions, restrictions, and reinstatements from a payments and fraud perspective, for the European region. Partner with Customer Response and Seller Success teams to resolve escalations efficiently, acting as the senior escalation point for risk-related decisions across all regions.

• Seller Onboarding & Marketplace Integrity

  Provide insight to the Head of Risk on any additional checks, standards, or rejection criteria that are required to ensure compliance across all regions. Own the seller activation risk framework, including approval standards, enhanced due diligence triggers, and rejection criteria for marketplace participation across the European region. Provide final risk sign-off for seller onboarding, within the European region, where payments, fraud, or scheme exposure is present. Ensure ongoing monitoring of seller behaviour, performance indicators, and emerging risks for transactions within the European region.

• Disputes, Chargebacks & Scheme Compliance

  Provide direction to the Head of Customer Response on any additional requirements or threshold changes required to ensure compliance with all card scheme requirements across the European region. Act as the primary point of contact for Visa, Mastercard, and payment partners on dispute, fraud monitoring, and scheme compliance matters, across the European region. Monitor chargeback ratios, early warning indicators, and scheme programmes applicable to merchants for all regions.

• Payments & Acquirer Relationship Ownership

  Own the operational relationship with payment service providers across the European region (including Adyen), acting as the authorised local representative for OnBuy (EU) Limited. Hold delegated authority to approve payment risk settings, fraud controls, reserve discussions, and onboarding requirements for merchant accounts within the European region. Serve as the authorised signatory (or designated risk owner) for payment, fraud, and scheme-related matters, where required across the European region.

• Risk Assessment & Reporting

  Monitor fraud KPIs, loss trends, dispute metrics, and control performance across all regions; provide structured reporting to the Head of Risk. Identify emerging fraud and payments risks across all regions, proposing timely, locally owned i