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- Tasks: Own the onboarding and risk assessment for high-risk ecommerce merchants.
- Company: Join a dynamic global compliance and risk team at SegPay.
- Benefits: Flexible working, strong emphasis on trust, and opportunities for growth.
- Other info: Collaborative culture with opportunities to shape risk strategies.
- Why this job: Make impactful decisions in a fast-paced, evolving environment.
- Qualifications: 3+ years in ecommerce underwriting, strong analytical and communication skills.
The predicted salary is between 50000 - 65000 £ per year.
Location: Dublin, IE (Hybrid) | London, UK (Remote)
About the Role: We are seeking a confident and commercially minded Onboarding & Risk (Underwriting) Specialist to join our growing global Compliance and Risk team. This role sits at the heart of our high-risk ecommerce acquiring business and plays a critical role in enabling safe, scalable growth across our payment platform. You will take ownership of the end-to-end underwriting and onboarding of ecommerce merchants, applying a risk-based, judgment-led approach rather than a purely checklist-driven model. This is an ideal role for a strong decision-maker who is comfortable working independently, assessing incomplete or imperfect information, and balancing risk with commercial opportunity. You'll work closely with internal stakeholders and external acquiring partners, operating with a high degree of autonomy and accountability. Previous experience in the adult/dating underwriting sector is a strong advantage.
Key Responsibilities:
- Perform risk-based underwriting reviews of new and existing merchants in line with internal policies, regulatory requirements, and card scheme rules.
- Conduct comprehensive merchant website and business model reviews within high-risk ecommerce verticals, particularly adult/dating.
- Complete CDD, EDD, ODD, and AML assessments, including PEP and sanctions screening using internal and third-party tools.
- Apply sound judgment to identify, assess, and mitigate financial, operational, and reputational risk.
- Maintain accurate, complete, and up-to-date KYB records across the merchant lifecycle.
- Act as a key point of contact for Account Managers, proactively guiding them on compliance, risk requirements, and documentation needs.
- Liaise with acquiring partners on onboarding queries, account changes, and merchant exits.
- Review daily exception and monitoring reports, investigating anomalies and escalating issues where appropriate.
- Contribute to ongoing improvements in underwriting frameworks, tools, and processes.
- Support and coach colleagues by sharing underwriting knowledge and best practices.
- Undertake ad-hoc projects and risk initiatives as the business evolves.
What We're Looking For:
- 3+ years' experience in ecommerce merchant acquiring or underwriting within a high-risk environment (experience in adult and/or dating is highly desirable).
- Credit risk or financial analysis experience is a strong asset.
- Proven ability to make independent, risk-based decisions with confidence and accountability.
- Strong understanding of card scheme rules, merchant acquiring risk concepts, and onboarding requirements.
- Solid working knowledge of CDD, AML, and financial crime controls.
- Commercially aware, able to balance risk mitigation with business enablement.
- Analytical thinker with strong attention to detail and sound investigative skills.
- Comfortable working with minimal oversight in a fast-paced, evolving environment.
- Excellent written and verbal communication skills in English.
- Highly organized with the ability to manage multiple priorities effectively.
- Strong systems literacy; SQL Server or data analysis experience is a plus.
- Willingness to travel occasionally if required.
Why Join Us?
- High-impact role with real decision-making authority.
- Exposure to complex, global high-risk ecommerce models.
- Collaborative, international team with a pragmatic and mature compliance and risk culture.
- Opportunity to shape underwriting approaches and influence risk strategy.
- Flexible working arrangements and a strong emphasis on trust and ownership.
If you are ready to make a significant impact and thrive in a dynamic environment, we encourage you to apply and join our team!
SegPay is an equal opportunity employer and values diversity at our company.
Onboarding and Risk Specialist in London employer: Segpay
Contact Detail:
Segpay Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Onboarding and Risk Specialist in London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already working in high-risk ecommerce. A friendly chat can lead to insider info and maybe even a referral!
✨Tip Number 2
Prepare for interviews by brushing up on your risk assessment skills. Be ready to discuss how you’d handle real-life scenarios in underwriting. Show us you can think on your feet!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and expertise. We recommend applying through our website for the best chance of getting noticed!
✨Tip Number 4
Follow up after interviews! A quick thank-you email can keep you top of mind and show us you’re genuinely interested in the role. It’s a small touch that makes a big difference.
We think you need these skills to ace Onboarding and Risk Specialist in London
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Onboarding & Risk Specialist role. Highlight your relevant experience in ecommerce and risk assessment, especially if you've worked in high-risk environments like adult or dating sectors. We want to see how your skills align with what we're looking for!
Showcase Your Decision-Making Skills: In your application, emphasise your ability to make independent, risk-based decisions. Share examples of how you've balanced risk with commercial opportunities in previous roles. This will help us understand your thought process and how you can contribute to our team.
Be Clear and Concise: When writing your application, keep it clear and to the point. Use straightforward language and avoid jargon unless it's relevant to the role. We appreciate well-structured applications that are easy to read and understand, so make sure to proofread before hitting send!
Apply Through Our Website: We encourage you to apply directly through our website. This ensures your application gets to the right place and allows us to review it efficiently. Plus, it shows you're keen on joining our team at StudySmarter!
How to prepare for a job interview at Segpay
✨Know Your Risk Concepts
Make sure you brush up on your understanding of risk concepts, especially in the high-risk ecommerce space. Be ready to discuss how you would approach underwriting and risk assessments, particularly in sectors like adult and dating. This will show that you’re not just familiar with the theory but can apply it practically.
✨Showcase Your Decision-Making Skills
Prepare examples from your past experience where you had to make independent, risk-based decisions. Highlight situations where you balanced risk with commercial opportunities, as this is crucial for the role. Use the STAR method (Situation, Task, Action, Result) to structure your responses.
✨Familiarise Yourself with Compliance Regulations
Get a good grasp of the relevant compliance regulations, including CDD, EDD, and AML assessments. Be prepared to discuss how you’ve applied these in previous roles, and think about any challenges you faced and how you overcame them. This will demonstrate your expertise and readiness for the role.
✨Engage with Stakeholders
Since the role involves liaising with internal stakeholders and external partners, think about how you can effectively communicate and guide others on compliance and risk requirements. Prepare to discuss your experience in collaborating with different teams and how you’ve successfully managed onboarding queries or account changes.