Fintech Merchant Risk & Onboarding Analyst

VBO Global; Cape Town; On-site; ZAR 600,000 - 900,000; Full time

Job summary

A fast-scaling payments technology company in Cape Town seeks a Legal & Risk Analyst to ensure merchant transparency and governance across its operations. Ideal candidates will have 3-6 years of experience in fintech or payments, focusing on risk assessment and operational improvements. Responsibilities include managing merchant URLs, conducting website reviews, and ensuring compliance with KYC processes. This role requires a proactive approach and the ability to make informed risk decisions within set guidelines.

Qualifications

• 3–6 years’ experience within payments, fintech, or regulated financial services.
• Direct operational experience in merchant onboarding or risk assessment.
• Experience conducting enhanced due diligence on corporate ownership.
• Proven ability to review merchant agreements.

Responsibilities

• Own and maintain a master repository of all merchant URLs.
• Monitor declared vs undeclared activity of merchants.
• Conduct structured merchant website reviews during onboarding.
• Strengthen onboarding workflows and introduce process improvements.

Skills

Payments experience

Risk assessment

Operational improvement

KYC processes

Job description

A fast-scaling payments technology company in Cape Town seeks a Legal & Risk Analyst to ensure merchant transparency and governance across its operations. Ideal candidates will have 3-6 years of experience in fintech or payments, focusing on risk assessment and operational improvements. Responsibilities include managing merchant URLs, conducting website reviews, and ensuring compliance with KYC processes. This role requires a proactive approach and the ability to make informed risk decisions within set guidelines.