Merchant Monitoring Manager

PayU

. Identify and assess merchant risk typologies, including scams, non-delivery of goods or services, money laundering, concealed business activities, and fraudulent websites .

Posted 10/28/2026full-timeWarsaw • PolandMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in merchant risk assessment, fraud prevention, and operational efficiency through data analytics and automation. Proven ability to lead teams, manage compliance, and optimize processes in a fast-paced environment.

Highest-signal resume keywords

Merchant Risk AssessmentFraud PreventionData AnalyticsPeople ManagementOperational Process Optimization

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

SQLAdvanced Excel FunctionsMonitoring Rules DevelopmentOperational Workflow MappingAI ImplementationRisk ClassificationBPMNCapacity PlanningKPI MonitoringIncident Management

Soft Skills

Stakeholder ManagementDecision-MakingPrioritizationTeam LeadershipEffective Communication

Industry Keywords

E-Commerce PaymentsMerchant OnboardingChargebacksVisa Monitoring ProgrammesMastercard Monitoring ProgrammesPEP ScreeningSanctions ScreeningSuspicious Activity ReportsRegulatory ComplianceEU AML Regulations

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Identify and assess merchant risk typologies, including scams, non-delivery of goods or services, money laundering, concealed business activities, and fraudulent websites
Lead and develop the team, including recruitment, performance reviews, employee development, workload allocation, and operational priorities
Ensure business continuity and manage operational priorities
Map and improve operational workflows, identify bottlenecks and control gaps, develop procedures, and identify automation opportunities
Identify and implement AI and automation opportunities to reduce manual work and improve operational efficiency
Develop, calibrate, and validate transactional monitoring rules; analyse effectiveness and implement feedback loops
Use data analytics to investigate trends, identify anomalies, validate findings, and support data-driven decisions
Monitor KPIs, reporting, operational queues, team capacity, and skill matrices
Lead the team through incidents, audits, and other operational challenges
Collaborate with Compliance, Risk, Operations, and Technology teams to address risks, improve controls, and support regulatory and card scheme requirements

Requirements

What you’ll need

4+ years in merchant risk, fraud prevention, or merchant monitoring within an acquirer, PSP, bank, or fintech
At least 2 years of people management experience covering recruitment, performance reviews, and difficult conversations
Strong understanding of card transaction flows, e-commerce payments, merchant onboarding, marketplaces, resellers, chargebacks, Visa and Mastercard monitoring programmes, and merchant categorization according to the rules
Practical experience investigating merchant websites, identifying suspicious business models, and developing, calibrating, and validating monitoring rules
Experience designing and optimising operational processes, identifying bottlenecks and automation opportunities, and developing procedures
Familiarity with BPMN, capacity planning, and skill matrices
Proven experience implementing AI or automation to improve a process or deliver measurable business benefits
Understanding of risk classification, PEP and sanctions screening, Suspicious Activity Reports (SARs), and cooperation with Compliance teams
Hands-on experience with SQL and advanced Excel functions
Ability to interpret technical documentation and understand monitoring systems
Experience working with KPIs, reporting, business continuity, incidents, and audits
Strong stakeholder management, decision-making, and prioritisation skills; ability to work effectively under pressure
English and Polish proficiency suitable for business communication
Nice to have: experience managing project backlogs, timelines, milestones, dependencies, and delivery risks
Nice to have: experience supporting card schemes or regulatory audits
Nice to have: familiarity with card schemes and upcoming changes to EU AML regulations

Benefits

Comp & perks

Employment under a contract of employment
Ability to develop one’s own package in MyBenefit system
Access to an internal training platform
Hybrid work model with a 2 days in the office policy
Friendly work atmosphere in a cooperation-driven team
Work in an international organization operating in a rapidly changing industry