Merchant Risk Manager | Rome, It Lazio

Merchant Risk Manager | Rome, It
Roma
Lazio, Lazio

Merchant Risk Manager

Rome

This is Worldline

We 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 Opportunity

We 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 Responsibilities

Collaborations 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 Policies Oversee the Merchant Risk Policy Framework within its scope of responsibilityContribute to the development and maintenance of the overarching merchant risk policiesControl the effective implementation by the 1st Line of Defence (Operational team) of the overarching merchant risk policiesControl the proper escalation to approval authorities for underwriting and acceptance decisions when required Risk Appetite & Strategy Contribute to the development and update of the Merchant Risk Appetite StatementMonitor and manage the KRIs defined in the company and report to the Board and Management Methodologies & Risk analytics Contribute to the development of a Joint Merchant Risk Scorecard to improve the efficiency of risk assessment during the onboarding and ongoing due diligence processesTake ownership of special projects/studies deemed necessary to manage and increase understanding of risk issues Risk identification & Measurement Contribute to the definition of merchant risk monitoring standards and KPIs & KRIs at portfolio levelContribute to the definition of collateral/reserves requirements Reporting, Monitoring & Control Contribute to the development of merchant risk steering and portfolio viewEnsure that recurring and ad-hoc merchant risk reports meet quality standards and align in a timely manner with management needsImplement 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 monitoring Risk Data Analyst Management Contribute to the documentation of the business requirements provided to IT solutions & project teams for the development of risk reporting & analytics solutionsContribute 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 monitoringParticipate and coordinate data management initiatives regarding risk data (data quality, data governance, etc.

) Management & Relations with key stakeholders Collaborate with the risk analytics experts to prepare reports that facilitate better understanding of riskBuild trusted internal relationships with sales and account managers and help them understand the risks in their portfoliosEnsure 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 & methodologiesSupport 1st Line of Defence (Operational team) in providing staff with guidance and training on merchant risk policies and standardsBuild and maintain an excellent knowledge of products, services, and market characteristicsKeep up to date with regulatory requirementsManage Security Internal controls: nature, scope, techniques of Security Internal Control System, control typesReporting and monitoring: define KPI, Board reporting, Internal Committee ReportingDefine 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 For Minimum 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 plusExcellent communication skills for interacting effectively with senior management, business lines, other risk management functions, and external stakeholdersAbility to work with operations teams to identify and assess the level of risk the organization is taking on and to propose actions to mitigate risksTakes personal ownership; self-starter; ability to drive projects with minimal guidance and focus on high impact workTenacity, agility, and an ability to prioritize work in a fast-paced environmentStrong skills in PowerPoint, Word, and ExcelLearns continuously; seeks out knowledge, ideas, and feedbackHigher university degree in a relevant field (Economics, Finance, Financial Risk Management, Business, or similar)Solid project management and planning skills to lead and deliver changeFluent English required (at least B2. 3) Perks & Benefits

At 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 bonus Shape the evolution

We 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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