Job Description
Up to £75,000 plus excellent bonus and benefits
Are you an analytically driven payments professional with a talent for spotting patterns and managing risk in real-time?
We are recruiting for a Risk Monitoring Manager on behalf of a leading UK-based FinTech EMI specializing in card issuing and acquiring. This is a hands-on First Line of Defence (1LOD) leadership role focused on protecting the merchant portfolio through rigorous transaction surveillance, fraud detection, and operational discipline.
Reporting to the Head of Risk Monitoring, you will lead the day-to-day execution of monitoring activities. This role is perfect for a hands on candidate who can dive into complex data sets while supervising a team of analysts to ensure all alerts are handled with precision.
Key Responsibilities of the FLOD Risk Monitoring Manager to include:
- Transaction & Merchant Surveillance: Manage the daily triage of transaction alerts to identify unusual, suspicious, or out-of-profile activity.
- Rule & Pattern Analysis: Track merchant-level fraud ratios, refund spikes, and TPV volatility to identify deteriorating performance.
- Team Leadership: Support, coach, and develop monitoring analysts, setting priorities and managing high-volume workflows.
- Risk Escalation: Maintain clear case records and escalate merchant laundering indicators or control concerns to the Head of Risk and MLRO.
- MI & Reporting: Produce detailed daily and weekly reports on alert volumes, chargeback exposure, and portfolio anomalies.
- System Optimization: Proactively refine rule sets, SOPs, and monitoring workflows to improve detection effectiveness
Requirements for the successful FLOD Risk Monitoring Manager to include:
We are looking for a candidate who is deeply "data-literate" and understands the mechanics of the merchant acquiring ecosystem:
- Industry Expertise: 4+ years of experience in merchant monitoring, fraud operations, or payment risk within a FinTech, PSP, or Acquirer.
- Merchant Acquiring Knowledge: Strong understanding of chargeback drivers, merchant risk indicators, and post-underwrite surveillance.
- Scheme & Regulatory Familiarity: Practical knowledge of Visa and Mastercard monitoring programs and UK financial crime escalation requirements.
- Technical Mastery: High proficiency in Excel and experience using monitoring platforms, case management tools, and BI reporting environments.
- Leadership Grit: Proven ability to supervise analysts and maintain high quality-assurance standards in a fast-paced environment.
Why Join?
This role is a central pillar in the company's risk function, offering a direct path toward senior operational leadership.
- Location: Modern office in Central London.
- Holidays: 30 days of annual leave plus bank holidays.
- Comprehensive Benefits: Private health insurance, employer-contributed pension, and support for professional certifications like ICA or ACAMS.
This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Associates Resourcing Limited are those of an Employment Agency
