Senior Product Risk Manager

Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance. At Teya we believe small, local businesses are the lifeblood of our communities. We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street. We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters. We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us. We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits. The Customer Risk Monitoring team, part of the Acceptance group, is responsible for implementing and maintaining the analytical intelligence that protects Teya and its customers from exposure to financial risks, including fraud and money laundering. Our goals are to minimise financial losses to Teya while maintaining customer trust and ensuring compliance with regulatory requirements. As the product manager for the Customer Risk Monitoring team, you’ll work to create strong partnerships with technical and non-technical stakeholders to ensure alignment between our risk analytics roadmap and the business strategy. This role reports directly to the Head of Product. You’ll be expected to work closely with data scientists, data analysts, engineers, and operations specialists, from individual contributors to heads of departments. As an Ongoing Monitoring Product Manager you will play a critical role in defining the standards to monitor the ongoing behaviour of our members to protect the financial services infrastructure from unwanted behaviour, enforce Teya policy, protect against fraud, and ensure Teya maintains compliance with AML regulations actively supporting Teya’s commitment to prevent financial crime. The role will cover transaction and other monitoring of member and their behaviour and external information about our members, and subsequent in-depth investigations of monitoring flags and risk issues and events. monitoring team also performs periodic refreshes of KYB / KYC data held on members. Transaction and Member Monitoring. KYC / KYB Refreshes. Trend Analysis. Proactively analyse data on identified trends and suggest new transaction monitoring rules to the second line teams. Be responsible for proposing, reviewing, and refining customer monitoring rules to enhancerisk detection and mitigation. Continuously assess rule effectiveness and suggest improvements basedon data insights and emerging trends. Work closely with the First line operational risk leader and other areas of the First LineOperational risk function to assist in ad-hoc projects. Contribute to and drive the roadmap for fraud and money laundering prevention, aligning product goals with company objectives and managing trade-offs in metrics. Collaborate closely with data scientists and data analysts to define data requirements, evaluate model performance, and translate analytical insights into actionable product features. Generate insights and analyse past trends, make data-driven decisions to inform product strategy. Utilise observability tools (logs and metrics) to monitor product performance. Ensure the product meets European regulatory requirements (PCI, GDPR, Data Retention, etc.). Stakeholder Management and Project Coordination. Working with internal experts, including tech, sales, CR, security, compliance, tax, legal and accounting teams, ensuring products and services are secure, compliant, operational, and fit for purpose. Identify and mitigate risks, build scenarios, and manage project timelines. Using data to identify ancillary opportunities that allow us to serve merchants better. A minimum of 5 years of experience working in transaction monitoring / ongoing monitoring roles inpayments and or business banking. A deep understanding of the card acquiring and business banking space. Strong knowledge of both the UK and EU AML regulations. Experience working with teams implementing data science and AI solutions. Experience working on products and systems requiring to meet strong regulatory requirements and subject to regular audits. Desired -An AML qualification such as ICA or ACAMS or equivalent. We trust you, so we offer flexible working hours, as long it suits both you and your team ~ Physical and mental health support through our partnership with GymPass, giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness and nutrition apps ~ Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support ~ Cycle-to-Work Scheme ~ Health and Life Insurance ~ Pension Scheme ~25 days of Annual Leave (+ Bank Holidays) ~ Office snacks every day ~ Friendly, comfortable and informal office environment in Central London We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work.