Merchant Risk Manager | Rome, It Lazio

Merchant Risk Manager | Rome, It
Roma
Lazio, Lazio

Merchant Risk ManagerRomeThis is WorldlineWe are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid.

The solutions our people build today power the growth of millions of businesses tomorrow.

From your local coffee shop to unicorns and international banks.

From San Francisco to Auckland.

We are in every corner of the world, in every part of commerce.

And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers.

Together, we shape the evolution. The OpportunityWe are looking for a Merchant Risk Specialist that is part of the 2nd Line of Defence Risk in Worldline Merchant Services Italia.

Its primary responsibilities are to oversee the risk management framework governing merchant risk and manage the Risk Data Analyst in the company (Data quality). Under the responsibility of the local Chief Risk Officer, the Merchant Risk Manager tackles merchant risk (credit, fraud, payment schemes, integrity) and ensures that the risk/reward balance is consistent with the company's strategy. The Merchant Risk Manager is responsible for contributing to the design and overseeing the establishment of the risk reporting tool used for merchant portfolio reporting and steering.

In this area, primary responsibilities are to oversee the risk resulting from the payment transactions of Worldline's merchants and to provide user-friendly tools reflecting accurate portfolio data.

The team strives to turn large amounts of data generated by payment transactions into unique insights, dashboards, and KRIs. Day-to-Day ResponsibilitiesCollaborations are established with product teams, operations, data engineers, and risk experts to plan, develop, and deliver projects related to merchant risk from start to finish, including all stages of project identification, stakeholder engagement, project management, and closeout. Committees Governance & Merchant Risk PoliciesOversee the Merchant Risk Policy Framework within its scope of responsibility Contribute to the development and maintenance of the overarching merchant risk policies Control the effective implementation by the 1st Line of Defence (Operational team) of the overarching merchant risk policies Control the proper escalation to approval authorities for underwriting and acceptance decisions when requiredRisk Appetite & StrategyContribute to the development and update of the Merchant Risk Appetite Statement Monitor and manage the KRIs defined in the company and report to the Board and ManagementMethodologies & Risk analyticsContribute to the development of a Joint Merchant Risk Scorecard to improve the efficiency of risk assessment during the onboarding and ongoing due diligence processes Take ownership of special projects/studies deemed necessary to manage and increase understanding of risk issuesRisk identification & MeasurementContribute to the definition of merchant risk monitoring standards and KPIs & KRIs at portfolio level Contribute to the definition of collateral/reserves requirementsReporting, Monitoring & ControlContribute to the development of merchant risk steering and portfolio view Ensure that recurring and ad-hoc merchant risk reports meet quality standards and align in a timely manner with management needs Implement and perform controls and validations of the merchant risk process to ensure a high standard is met within the Underwriting & Risk Monitoring team and the first line of defense in general regarding risk assessment and monitoringRisk Data Analyst ManagementContribute to the documentation of the business requirements provided to IT solutions & project teams for the development of risk reporting & analytics solutions Contribute to the design, implementation, and maintenance of the Risk Data Management solution that fully supports risk data aggregation capabilities, sound risk reporting & modelling practices, and adequate risk monitoring Participate and coordinate data management initiatives regarding risk data (data quality, data governance, etc.

)Management & Relations with key stakeholdersCollaborate with the risk analytics experts to prepare reports that facilitate better understanding of risk Build trusted internal relationships with sales and account managers and help them understand the risks in their portfolios Ensure close collaboration with risk experts from 1st Line of Defence (Operational team) as well as with AML & Compliance officers when developing merchant risk policies and risk management tools & methodologies Support 1st Line of Defence (Operational team) in providing staff with guidance and training on merchant risk policies and standards Build and maintain an excellent knowledge of products, services, and market characteristics Keep up to date with regulatory requirements Manage Security Internal controls: nature, scope, techniques of Security Internal Control System, control types Reporting and monitoring: define KPI, Board reporting, Internal Committee Reporting Define and manage Security Governance Framework (data classification, access control, policy formulation, incident response, and compliance with legal and regulatory standards) Carry out assessments, define gaps, and manage action regarding regulatory law (DORA, EBA, etc.

)Who Are We Looking ForMinimum 6 years' experience gained in Merchant Risk Analysis (Acquiring Risk, onboarding process, Reporting, or fraud detection) Work experience in the payment services or banking industry is a plus Excellent communication skills for interacting effectively with senior management, business lines, other risk management functions, and external stakeholders Ability to work with operations teams to identify and assess the level of risk the organization is taking on and to propose actions to mitigate risks Takes personal ownership; self-starter; ability to drive projects with minimal guidance and focus on high impact work Tenacity, agility, and an ability to prioritize work in a fast-paced environment Strong skills in PowerPoint, Word, and Excel Learns continuously; seeks out knowledge, ideas, and feedback Higher university degree in a relevant field (Economics, Finance, Financial Risk Management, Business, or similar) Solid project management and planning skills to lead and deliver change Fluent English required (at least B2. 3)Perks & BenefitsAt Worldline, you'll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid.

On top of that, you will also:Be part of a company guided by a strong purpose to do good and recognized as the top 1% of the most sustainable companies in all sectors worldwide.

Work with inspiring colleagues and be empowered to learn, grow, and accelerate your career.

Work in an international environment with cutting-edge technologies.

Enjoy a wide range of benefits: medical insurance, pension fund, tickets restaurant, company bonusShape the evolutionWe are on an exciting journey towards the next frontiers of payments technology, and we look for big thinkers, people with passion, can-do attitude, and a hunger to learn and grow.

Here you'll work with ambitious colleagues from around the world, take on unique challenges as a team, and make a real impact on society.

With an empowering culture, strong technology, and extensive training opportunities, we help you accelerate your career - wherever you decide to go.

Join our global team of 18, 000 innovators and shape a tomorrow that is yours to own.

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