Company Overview

The organisation operates in the digital payments and financial technology industry, providing technology-enabled payment services and financial infrastructure for businesses operating across digital and international markets. Its operations focus on secure payment processing, merchant account management, transaction monitoring, and the development of reliable payment ecosystems.

Role Summary

The Merchant Risk Operations Specialist will be responsible for assessing merchant activity, reviewing transaction-related risks, and supporting operational controls across digital payment services.

The role focuses on merchant onboarding reviews, transaction behaviour analysis, payment dispute monitoring, and the identification of unusual commercial activities. The successful candidate will help evaluate merchant risk profiles, investigate payment irregularities, and support the implementation of operational procedures that protect payment infrastructure.

Working closely with compliance, underwriting, fraud prevention, and payment operations teams, the specialist will contribute to maintaining a secure merchant environment while supporting efficient payment service delivery.

Key Responsibilities

• Conduct operational risk assessments of new and existing merchants using established evaluation procedures.

• Review merchant business activities, transaction volumes, payment patterns, and processing behaviour.

• Analyse transaction records to identify unusual activity, potential fraud exposure, and operational irregularities.

• Monitor chargeback levels, refund patterns, payment disputes, and suspicious transaction trends.

• Support merchant onboarding reviews and verify the completeness of required business documentation.

• Investigate merchants displaying unusual transaction behaviour or elevated payment risk indicators.

• Prepare merchant risk assessments and maintain accurate case management records.

• Collaborate with compliance and fraud teams on cases requiring additional investigation.

• Monitor merchant account performance and identify changes that may affect risk exposure.

• Support the implementation of merchant monitoring procedures and risk classification standards.

• Prepare periodic reports covering merchant activity, dispute trends, and operational risk findings.

• Recommend improvements to merchant review workflows and risk monitoring processes.

Requirements and Qualifications

• Bachelor’s degree in Finance, Banking, Business Administration, Accounting, or a related discipline.

• At least three years of experience in merchant risk, payment operations, fraud prevention, or financial services.

• Understanding of card payment processing, merchant acquiring, chargebacks, and payment disputes.

• Familiarity with transaction monitoring and merchant onboarding procedures.

• Knowledge of AML principles, KYC requirements, and financial risk management.

• Experience reviewing financial transactions and identifying unusual payment behaviour.

• Strong analytical and investigative skills.

• Proficiency in Microsoft Excel and financial operations reporting tools.

• Excellent documentation and case management abilities.

• Ability to manage multiple investigations and meet operational deadlines.

• Strong communication and collaboration skills in English.

Benefits

• Fully remote employment opportunity within Estonia.

• Opportunity to develop expertise in merchant acquiring and digital payment risk.

• Exposure to international payment processing environments.

• Professional development and industry-related training opportunities.

• Collaborative working environment across risk, compliance, and payment operations.

• Opportunity to contribute to the security and reliability of digital payment services.

Application Instructions

Applicants should submit an updated CV detailing their experience in merchant risk management, payment operations, transaction monitoring, or fraud prevention. Relevant experience with merchant onboarding, chargeback investigations, and payment processing platforms should be clearly outlined.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

#JobsHubEstonia #GlobalRecruitment
#CareerOpportunities #HiringNow
#JobSeekersNetwork #EstoniaJobs
#RecruitmentServices #EmploymentPortal.