Job Opportunities API

payabl. empowers businesses to grow through payments innovation and banking services. Our ambition is to expand our strong portfolio of global financial services we provide to businesses and make them all available in one place on our platform we call payabl.one. As a licensed financial company with principal membership with card schemes, we specialize in global payments and providing businesses with multi-currency accounts. The role is about: We are looking for a motivated and detail-oriented Underwriting Officer to join our dynamic Risk Team. This role is focused on merchant underwriting and monitoring activities and ensuring our portfolio remains balanced and secure as the business scales. In this role you will perform preliminary merchant reviews, gather essential information and assist with ongoing portfolio monitoring. Working closely with senior team members, you will analyze merchant risk profiles, identify potential concerns, and ensure compliance with internal policies and card scheme requirements. This is an excellent opportunity for someone looking to build a career in payments, underwriting, and risk management, while gaining hands-on exposure to merchant onboarding and risk management. Location: Limassol, Cyprus Reporting Line: Head of Underwriting and Monitoring What you will do:   Support merchant underwriting assessments by performing initial checks, collecting documentation, and assisting senior team members in reviewing merchant risk profiles Monitor merchant portfolios to identify unusual or suspicious activity and escalate findings where necessary Assist with the risk assessment, registration, and ongoing monitoring of third-party agents in line with card scheme requirements and internal policies Conduct an initial investigation of transaction patterns and identify activity that differs from expected behavior Respond to queries from prospective and existing merchants, providing support and escalating more complex cases when needed Ensure day-to-day activities align with company policies, card scheme requirements, and payment provider guidelines Support the preparation of merchant activity reports for portfolio reviews and audits Collaborate with Risk, CDD, Compliance, Relations, and Sales teams to support onboarding and monitoring activities What we need: Must-have 6 months to 2 years of experience in payments, merchant onboarding, AML, KYC, underwriting, transaction monitoring, or other risk-related roles within fintech or financial services Basic understanding of merchant onboarding and risk assessment processes Some understanding of payments, card acquiring, and transaction flows Strong analytical mindset with the ability to review merchant information, websites, and transaction data to identify potential risks High attention to detail and strong organizational skills Ability to follow internal procedures and compliance requirements in a regulated environment Good communication skills and ability to work with multiple teams including Risk, Compliance, Operations, and Sales Eagerness to learn and develop within the payments and risk industry Nice-to-have Exposure to merchant underwriting, transaction monitoring, or ongoing merchant reviews Familiarity with card scheme basics (Visa Inc., Mastercard, American Express) Experience within acquiring, PSP, or fintech environments Exposure to fraud detection, chargeback monitoring, or merchant risk tools such as Similarweb, Semrush, Ballerine, G2 Risk, LegitScript Experience reviewing websites, merchant business models, or financial documents Interest in merchant risk management, fraud prevention, payments The perks of being a payabl.er in Cyprus Office:    Future-Proof Your Finances: Once you’ve passed probation, we’ll kickstart your Provident Fund to secure your future.  Grow with Us: Annual Learning Budget for professional development (eligible after probatio