Fraud Risk Manager - Europe

Audrey Texier Conseils; Dublin; Hybrid; EUR 52,000 - 60,000; Full time

Job summary

OnCommerce is seeking a seasoned Risk Manager to own Europe-wide marketplace risk and payments decisions. You will translate global risk policies into local, executable controls that protect customers and safeguard revenue across European operations.

This role blends operational execution with analytical insight and delegated executive authority, representing OnBuy (EU) Limited as its regional risk, payments, and scheme-facing owner. Ireland serves as the governance hub.

Qualifications

• Experience in fraud, risk management, payments, and marketplace operations.
• Strong understanding of European regulatory requirements (PSD2 SCA, AML/KYC, consumer rights).
• Analytical ability to interpret data, spot trends, and make evidence-based decisions.
• Excellent communication skills with the ability to influence stakeholders across functions.
• Familiarity with fraud detection tools, risk engines, dispute management systems.
• Comfortable working in a fast-moving environment with delegated authority and accountability.
• SQL desirable.

Responsibilities

• Localise group-level fraud and risk policies for European operations.
• Ensure alignment with risk appetite, commercial goals, and regulatory obligations while defining controls for Europe.
• Escalate material policy deviations when they exceed delegated authority.
• Provide insight to the Head of Risk on monitors required to ensure EU compliance.
• Manage complex cases involving payments fraud, account takeovers, prohibited goods, and product risks.
• Hold final decision-making authority for seller risk actions in the European region.
• Partner with Customer Response and Seller Success to resolve escalations efficiently.
• Provide final risk sign-off for seller onboarding where payments or scheme exposure exists.
• Monitor fraud KPIs, loss trends, and dispute metrics; report to the Head of Risk.
• Maintain evidence that risk oversight is directed from Ireland for the scope territories.

Skills

Risk management

Fraud monitoring

Payments processing

Regulatory compliance

Data analysis

Stakeholder communication

Decision making

European regulations

Tools

SQL

Dispute management systems

Job description

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.
• 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.
• 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.
• 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.
• 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.
• 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 interventions, as well as ensuring these are also reflected in the Group level reporting.
• Maintain evidence demonstrating that marketplace risk, payments oversight, and dispute control are directed and managed from Ireland for the territories in scope
  

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 interventions, as well as ensuring these are also reflected in the Group level reporting.
• Maintain evidence demonstrating that marketplace risk, payments oversight, and dispute control are directed and managed from Ireland for the territories in scope
  

Requirements

• Experience in fraud, risk management, payments, and marketplace operations.
• Strong understanding of European regulatory requirements (PSD2 SCA, AML/KYC obligations, consumer rights, card scheme rules).
• Analytical capability to interpret data, spot trends, and make evidence-based decisions.
• Familiarity with fraud detection tools, risk engines, dispute management, and case management systems.
• Excellent communication skills with the ability to influence stakeholders across functions and geographies.
• Comfortable working in a fast-moving environment with evolving risks and operating with delegated authority and accountability.
• Experience in SQL desiarble.
  

Benefits

The salary on offer for this role is£50,000 per annum depending on experience.

We also offer the following benefits:

• CompanyEquity- In return for helping us to grow, we'll offer you company equity, meaning you own a piece of this business we are all working so hard to build.
• 25 days annual leave + Bank Holidays
• 1 extra day off for your Birthday
• Employee Assistance Programme
• Perks at Work benefit platform
• Opportunities for career development and progression
  

This role is 1 day a week minimum in the Dublin office. We are unable to sponsor this role you must have the full right to work and live in Ireland.

Our Commitment

OnBuy is an equal opportunities employer. We are dedicated to creating a fair and transparent workforce, starting with a recruitment process that does not discriminate on the basis of gender, sexual orientation, marital or civil partnership status, pregnancy or maternity, gender reassignment, race, colour, nationality, ethnic or national origin, religion or belief, disability, or age.

Just a heads up we never use WhatsApp or any messaging apps to contact candidates
If someone reaches out this way, it isn't us and let the recruitment team know.