At a Glance
- Tasks: Support merchants in joining xpate’s ecosystem through efficient onboarding processes.
- Company: Join a dynamic fintech company revolutionising the payments landscape.
- Benefits: Flexible hours, hybrid work, private health insurance, and extra personal time off.
- Other info: Opportunities for growth and shaping the future of compliance at xpate.
- Why this job: Make a real impact in a role that drives change and innovation.
- Qualifications: 1–3 years in onboarding, risk assessment, or compliance within payments or fintech.
The predicted salary is between 35000 - 45000 £ per year.
As an Onboarding Specialist, you will play an important role in supporting how merchants join xpate’s ecosystem. You will help ensure that onboarding journeys are compliant, efficient, and aligned with scheme and regulatory expectations. You will combine analytical skills, risk awareness, and sound judgment to assess merchants, support onboarding decisions, and contribute to the ongoing improvement of onboarding processes. Your work will support xpate’s growth by enabling safe, scalable customer acquisition and helping maintain the integrity of our payments environment.
Your role at xpate:
- Onboarding Execution
- Execute the full cycle of merchant onboarding and due diligence under established frameworks.
- Perform KYB/KYC/AML checks in line with internal procedures, regulatory requirements, and scheme rules.
- Conduct underwriting assessments, including document reviews, basic financial analysis, website checks, and risk scoring.
- Support adherence to internal SLAs for onboarding cycle time.
- Escalate complex or higher-risk cases to senior team members or the Onboarding Lead with clear recommendations.
- Compliance & Scheme Alignment
- Review customers’ documents, websites, products, and services for compliance with Visa and Mastercard requirements.
- Apply scheme rules and internal risk policies in day-to-day onboarding assessments.
- Support the implementation of risk mitigation measures in collaboration with fraud prevention and transaction monitoring teams.
- Process & Improvement
- Support the Onboarding Lead and senior team members in rolling out updated onboarding processes and frameworks.
- Contribute to the maintenance of SOPs, checklists, and internal guidelines.
- Identify process inefficiencies or gaps and raise improvement suggestions.
- Assist with maintaining risk settings such as open/blocked countries and MCC policies.
- Team Contribution
- Share knowledge and best practices with peers to promote consistent onboarding decisions.
- Participate in training sessions related to AML/CTF, underwriting, and scheme requirements.
- Contribute to onboarding metrics and risk insights through accurate documentation and reporting.
We’re ready to meet you, if…
- 1–3 years of experience in merchant onboarding, underwriting, AML/CTF, risk assessment, or compliance within payments, fintech, banks, or PSPs.
- Hands-on experience with KYB/KYC verification, due diligence, and AML risk assessment.
- Working knowledge of Visa and Mastercard scheme rules, including high-risk MCCs, prohibited or restricted categories, and document standards.
- Experience reviewing financial information, identifying risk indicators, and supporting enhanced due diligence for higher-risk merchants.
- Familiarity with fraud trends and transaction monitoring concepts in e-commerce and card-not-present environments.
What working at xpate looks like:
- A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker.
- Enjoy flexible working hours, hybrid work options, private health insurance and generous paid time off giving you the balance you need to perform at your best.
- Apple hardware and modern work tools to support your workflow.
- Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off.
- Private health insurance and wellness benefits.
- Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem.
Why join xpate?
We’re building the financial backbone of the future — where payments move freely and businesses grow without barriers. If you want real impact, freedom to innovate, and work that drives change, xpate is the place for you.
About Us
xpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.
Onboarding Specialist in London employer: xpate
At xpate, we pride ourselves on being an exceptional employer that fosters a dynamic and ambitious work environment where compliance is viewed as a catalyst for growth. Our Onboarding Specialists benefit from flexible working hours, hybrid options, and comprehensive health insurance, alongside generous paid time off to ensure a healthy work-life balance. With ample opportunities for professional development and the chance to shape the future of our compliance ecosystem, xpate is the ideal place for those seeking meaningful and impactful careers in the fintech space.
StudySmarter Expert Advice🤫
We think this is how you could land Onboarding Specialist in London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching xpate and understanding their onboarding processes. Show us that you’re not just another candidate; demonstrate your knowledge about compliance and risk assessment in payments.
✨Tip Number 3
Practice your answers to common interview questions, especially those related to KYB/KYC and AML checks. We want to see how you think on your feet and handle real-world scenarios.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows us you’re genuinely interested in being part of the xpate team.
We think you need these skills to ace Onboarding Specialist in London
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Onboarding Specialist role. Highlight your experience with KYB/KYC checks and risk assessment, as these are key to what we do at xpate.
Showcase Your Analytical Skills:We love a good analytical mind! In your application, give examples of how you've used your analytical skills in previous roles, especially in relation to compliance and onboarding processes.
Be Clear and Concise:When writing your application, keep it straightforward. We appreciate clarity, so make sure your points are easy to understand and directly related to the job description.
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. We can’t wait to see what you bring to the table!
How to prepare for a job interview at xpate
✨Know Your Onboarding Basics
Before the interview, brush up on the key aspects of merchant onboarding, especially KYB/KYC/AML checks. Familiarise yourself with the regulatory requirements and scheme rules that xpate adheres to, as this will show your understanding of the role and its importance.
✨Showcase Your Analytical Skills
Be prepared to discuss specific examples where you've used your analytical skills in previous roles. Highlight any experience you have with risk assessment or compliance, and be ready to explain how you approached complex cases and what the outcomes were.
✨Demonstrate Process Improvement Mindset
Think about times when you've identified inefficiencies in processes and how you suggested improvements. xpate values ongoing enhancement, so sharing your proactive approach to process optimisation will resonate well with the interviewers.
✨Engage with Team Dynamics
Since collaboration is key in this role, be ready to discuss how you've worked with teams in the past. Share examples of how you’ve contributed to team knowledge sharing or training sessions, as this aligns with xpate's emphasis on consistent onboarding decisions.
