Risk Management Manager

Payoneer Inc.; United States; On-site; USD 89,000 - 134,000; Full time

Job summary

Payoneer is seeking a Risk Management Manager in Guangzhou, China, to support its cross-border payment business. This on-site, full-time role focuses on merchant risk, transaction authenticity reviews, abnormal fund flows, and fraud-related risk, collaborating with Compliance, Legal, Product, and Tech teams.

The candidate will drive risk controls, conduct comprehensive assessments, and translate findings into practical, scalable mitigations while ensuring alignment with global Payoneer standards

Qualifications

• Experience in cross-border payments, cross-border e-commerce, merchant risk, or fraud and abnormal transaction monitoring.
• Professional certifications such as FRM, CAMS, or equivalent.
• Ability to balance risk management with practical business needs in a complex environment.
• Bachelor’s degree or above in a related discipline.

Responsibilities

• Build and enhance risk management controls for cross-border payments in China, covering merchant risk, transaction monitoring, and fraud risk.
• Conduct risk assessments for new products, models, and process changes with mitigation recommendations.
• Monitor key payment risk typologies including abnormal fund flows and false trades, and identify remediation actions.
• Prepare risk assessment reports, thematic reviews, and follow-ups with cross-functional teams to close gaps.
• Partner with Compliance, Legal, Product, Technology, Operations, and business teams to align local controls with regulatory and Payoneer standards.

Skills

Cross-border payments

Merchant risk

Transaction monitoring

Fraud risk assessment

Regulatory compliance

Analytical skills

Education

Bachelor’s degree in Finance, Risk Management, Law, Accounting, International Trade, or related

Job description

About Payoneer

Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Risk Management Manager

Role summary

As a Risk Management Manager, you will support Payoneer’s payment business in China by identifying, assessing, monitoring, and mitigating risks across cross-border payment activities. You will focus on areas including merchant risk, transaction authenticity, abnormal fund flows, and fraud-related risk, while partnering with cross-functional teams to enable responsible, compliant, and well-controlled business growth.

Location: Guangzhou, China
On-site
Full-time

What you’ll do

• Build and continuously enhance risk management controls for Payoneer’s cross-border payment business in China, covering merchant risk, transaction monitoring, fraud risk, and abnormal fund flow scenarios.
• Conduct risk assessments for new products, business models, and process changes, and provide practical mitigation recommendations to support launch and implementation decisions.
• Monitor and analyze key payment risk typologies, including transaction splitting, false trade, suspicious or abnormal fund flows, regulatory-sensitive scenarios, and fraud-related activities.
• Prepare risk assessment reports, thematic reviews, and risk-event follow-ups, and work with cross-functional teams to close control gaps and strengthen processes.
• Partner with Compliance, Legal, Product, Technology, Operations, and business teams to ensure local risk controls align with regulatory requirements, Payoneer’s global standards, and business needs.

Who you are

• Experience in cross-border payments, cross-border e-commerce, merchant risk, transaction authenticity reviews, or fraud and abnormal transaction monitoring.
• Professional certifications such as FRM, CAMS, or an equivalent credential.
• An ability to balance effective risk management with practical business needs in a complex and evolving environment.
• Bachelor’s degree or above in Finance, Risk Management, Law, Accounting, International Trade, or a related discipline.
• 6+ years of experience in risk management, payment risk, transaction monitoring, or a related role within a licensed payment institution.
• Strong analytical and problem-solving skills, sound judgment, and the ability to translate risk findings into practical controls and remediation actions.
• Strong communication, ownership, and cross-functional collaboration skills, with the ability to work independently in a fast-paced, global environment.
• Good written and spoken English skills.

The Payoneer Ways of Working

Act as our customer’s partner on the inside

Learning what they need and creating what will help them go further.

Do it. Own it.

Being fearlessly accountable in everything we do.

Continuously improve

Always striving for a higher standard than our last.

Build each other up

Helping each other grow, as professionals and people.

If this sounds like a business, a community, and a mission you want to be part of,

We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.