Merchant Risk Monitoring Manager

PayU GPO; Warszawa, Poznań; Hybrid; PLN 240,000 - 320,000; Full time

Job summary

A prominent fintech company in Warsaw is seeking a Merchant Risk Monitoring Manager to enhance their monitoring processes. You will lead a team focused on risk detection and develop internal controls in a fast-paced environment. The ideal candidate will have over 5 years of experience in AML/CFT, strong leadership skills, and proficiency in both English and Polish. This position offers a hybrid work model and opportunities for personal package development.

Benefits

Ability to develop one's own package in MyBenefit system

Access to an internal training platform

Friendly work atmosphere

Qualifications

• 5+ years of experience in AML/CFT, preferably in a fintech context.
• Strong people leadership skills in a fast-paced environment.
• Excellent understanding of AML/CFT regulations and policies.

Responsibilities

• Oversee and develop monitoring processes for merchants.
• Lead a team of analysts ensuring effective risk detection.
• Drive innovation and operational excellence in monitoring processes.

Skills

AML/CFT expertise

People leadership

Risk decision-making

Analytical mindset

Proficiency in English and Polish

Tools

Excel

Tableau

SQL

Job description

About PayU

PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300,000+ merchants and millions of consumers.

As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day.

Merchant Monitoring is one of the core pillars of the Operations Department, responsible for reviewing current activities of PayU merchants across the EMEA region. The team enhances controls on the merchant portfolio to reduce key risks such as AML, fraud, credit exposure, and sanctions violations.

We’re looking for a hands-on Merchant Risk Monitoring Manager to oversee and develop our monitoring processes for merchants. You’ll lead a team of analysts, ensure effective risk detection, and continuously improve our internal controls and workflows through automation and process optimization.

This role is ideal for someone who brings both strong AML/CFT experience and people leadership and thrives in a fast-paced fintech environment.

Key responsibilities:

• Act as the first point of escalation and subject matter expert in AML/CFT for internal and team queries; provide expert guidance on complex cases
• Lead key projects and process improvements within merchant monitoring; own initiatives end-to-end to ensure high-impact delivery, efficiency, and scalability
• Oversee and continuously optimize monitoring processes, including automation and standardization; identify gaps and implement robust solutions
• Drive innovation and operational excellence, ensuring processes align with evolving regulatory expectations and business needs
• Coach, mentor, and lead a team of analysts responsible for merchant monitoring and transaction reviews
• Co-operate with Regulators, Legal, Compliance, Business and Technology Departments to improve merchant monitoring processes to the highest standards
• Draft and maintain internal procedures and playbooks for merchant transaction monitoring
• Support internal reporting on KPIs, efficiency, and quality

What we’re looking for:

• 5+ years of experience in AML/CFT, preferably in a fintech, payments or e-commerce context
• Strong people leadership skills; proven ability to lead operational teams in fast-paced environment while keeping up with business priorities
• Excellent understanding of AML/CFT regulations, policies, procedures
• Strong decision-making skills in high-volume, risk-sensitive environments
• Proven track record of building and delivering improvement projects in the AML or transaction monitoring area on a company level
• Proficiency in both spoken and written English and Polish
• Analytical mindset with experience in Excel, Tableau or similar; SQL is a plus

What we offer:

• End-to-end responsibility for leading and improving the Merchant Monitoring process
• Employment under a contract of employment
• Benefits: ability to develop one’s own package in MyBenefit system
• Access to an internal training platform
• Possibility to work in a hybrid model
• Friendly work atmosphere in a cooperation-driven team, that will support you every day
• Work in an international organization operating in a rapidly changing industry

Our working environment:

• A diverse working environment within a multicultural setting
• An inclusive environment that ensures we listen to a diverse range of voices when making decisions
• A positive, get-things-done workplace
• A dynamic, constantly evolving space (change is par for the course – important you are comfortable with this)
• Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale
• A democratic work environment where you can drive your outcomes

About us

At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services.

Our Commitment To Building A Diverse And Inclusive Workforce

As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers.