At a Glance
- Tasks: Support merchants in joining xpate’s ecosystem through efficient onboarding processes.
- Company: Join a dynamic fintech company focused on innovative payment solutions.
- Benefits: Flexible hours, hybrid work, private health insurance, and extra personal time off.
- Other info: Collaborative environment with opportunities to shape the future of compliance.
- Why this job: Make a real impact in the payments industry while growing your career.
- Qualifications: 1–3 years in onboarding, risk assessment, or compliance within payments or fintech.
The predicted salary is between 30000 - 40000 £ 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 employer: xpate
At xpate, we pride ourselves on being an excellent employer that fosters a dynamic and ambitious work culture where compliance is viewed as a catalyst for growth. Our Onboarding Specialists enjoy flexible working hours, hybrid options, and generous benefits including private health insurance and extra personal time off, all designed to support your well-being and professional development. Join us in shaping the future of payments while making a meaningful impact in a collaborative environment that values innovation and integrity.
StudySmarter Expert Advice🤫
We think this is how you could land Onboarding Specialist
✨Tip Number 1
Network like a pro! Reach out to people in the fintech and payments space, especially those who work at xpate or similar companies. A friendly chat can lead to insider info about job openings and even referrals.
✨Tip Number 2
Prepare for interviews by diving deep into the company’s values and mission. Understand how your skills in onboarding, compliance, and risk assessment align with xpate's goals. Show them you’re not just another candidate, but someone who truly gets their vision.
✨Tip Number 3
Practice your responses to common interview questions related to KYB/KYC and AML processes. Use real-life examples from your experience to demonstrate your analytical skills and risk awareness. This will help you stand out as a knowledgeable candidate.
✨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 you’re genuinely interested in being part of the xpate team.
We think you need these skills to ace Onboarding Specialist
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 compliance, as these are key aspects of the job. We want to see how your skills align with what we’re looking for!
Showcase Your Analytical Skills:Since this role involves a lot of analytical work, don’t shy away from sharing examples of how you've used your analytical skills in past roles. Whether it’s assessing risk or conducting financial analysis, we love to see how you think!
Be Clear and Concise:When writing your application, keep it clear and to the point. Use bullet points where possible to make it easy for us to read. We appreciate straightforward communication, especially when it comes to complex topics like compliance and risk assessment.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at xpate!
How to prepare for a job interview at xpate
✨Know Your Onboarding Basics
Before the interview, brush up on your knowledge of KYB/KYC/AML processes. Be ready to discuss how you’ve applied these in past roles, as xpate values compliance and efficiency in onboarding.
✨Showcase Your Analytical Skills
Prepare examples that highlight your analytical skills and risk assessment experience. Think about specific situations where you identified risks or improved processes, as this will resonate well with the role's requirements.
✨Familiarise Yourself with Scheme Rules
Make sure you understand Visa and Mastercard scheme rules, especially around high-risk MCCs. Being able to discuss these confidently will show that you’re serious about compliance and can contribute to maintaining the integrity of the payments environment.
✨Be Ready to Discuss Team Collaboration
xpate values teamwork, so be prepared to talk about how you’ve shared knowledge and best practices with colleagues in the past. Highlight any training sessions you’ve participated in or led, as this shows your commitment to continuous improvement.
