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Merchant Monitoring Manager

PayU GPOLegal & Compliance
Hiring from
Poland
Work type
Hybrid
Posted
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About PayU
PayU is an international payment service provider with a leading position in Poland and other European markets. The company provides businesses with secure, flexible and easy-to-integrate solutions for accepting and managing online payments, connecting merchants with consumers and financial institutions.

PayU supports a wide range of payment methods, including payment cards, digital wallets and locally preferred payment options, such as BLIK and fast bank transfers in Poland. Its offering also includes instalment payments and Buy Now, Pay Later (BNPL), cross-border payments and recurring payment solutions. PayU serves businesses across industries and of all sizes - from small and medium-sized enterprises to leading e-commerce brands, as well as companies in the financial services and technology sectors.


We are looking for an experienced Merchant Monitoring Manager to lead a team responsible for identifying, assessing, and mitigating merchant-related risks. In this role, you will combine people leadership, analytical expertise, and technical skills to ensure effective risk monitoring, operational excellence, and continuous process improvement.

You will play a key role in strengthening our e-commerce merchant risk controls, optimising monitoring processes, and leveraging data, automation, and AI to improve efficiency and decision-making.

Responsibilities & Key activities

  • Manage merchant risk: Identify and assess merchant risk typologies, including scams, non-delivery of goods or services, money laundering, concealed business activities, and fraudulent websites.

  • Lead and develop the team: Manage recruitment, performance reviews, employee development, workload allocation, and operational priorities while ensuring business continuity.

  • Optimise processes: Map and improve operational workflows, identify bottlenecks and control gaps, develop procedures, and identify opportunities for automation.

  • Leverage AI and automation: Identify and implement opportunities to improve processes, reduce manual work, and enhance operational efficiency.

  • Improve merchant's transactional monitoring: Develop, calibrate, and validate monitoring rules, analyse their effectiveness, and implement feedback loops to continuously improve risk detection.

  • Analyse data and systems: Utilize data analytics techniques to investigate trends, identify anomalies, validate findings, and support data-driven decisions.

  • Drive operational performance: Monitor KPIs, reporting, operational queues, team capacity, and skill matrices. Lead the team through incidents, audits, and other operational challenges.

  • Collaborate with stakeholders: Work closely with Compliance, Risk, Operations, and Technology teams to address risks, improve controls, and support regulatory and card scheme requirements.

Qualifications & Experience

  • 4+ years in merchant risk, fraud prevention, or merchant monitoring within an acquirer, PSP, bank, or fintech, including at least 2 years of people management experience covering recruitment, performance reviews, and difficult conversations.

  • Payment's expertise: Strong understanding of card transaction flows, e-commerce payments, merchant onboarding, marketplaces, resellers, chargebacks, Visa and Mastercard monitoring programes, and merchant categorization according to the rules.

  • Merchant risk expertise: Practical experience in investigating merchant websites, identifying suspicious business models, and developing, calibrating, and validating monitoring rules.

  • Process management: Experience designing and optimising operational processes, identifying bottlenecks and automation opportunities, and developing procedures. Familiarity with BPMN, capacity planning, and skill matrices.

  • AI and automation: A proven experience of implementing AI or automation to improve a process or deliver measurable business benefits.

  • AML knowledge: Understanding of risk classification, PEP and sanctions screening, Suspicious Activity Reports (SARs), and cooperation with Compliance teams.

  • Technical and analytical skills: Strong analytical thinking, including hands-on experience with SQL and advanced Excel functions.Ability to interpret technical documentation and understand monitoring systems.

  • Operational ownership: Experience working with KPIs, reporting, ensuring business continuity, and managing incidents and audits.
  • Communication: Strong stakeholder management, decision-making, and prioritisation skills, with the ability to work effectively under pressure.
  • Languages: English and Polish profiency at a level suitable for buisness communication.
    • Nice to have:

    • Experience managing project backlogs, timelines, milestones, dependencies, and delivery risks.

    • Experience supporting card schemes or regulatory audits.

    • Familiarity with card schemes and upcoming changes to EU AML regulations.

What we offer

  • Employment under a contract of employment,
  • Benefits: ability to develop one’s own package in MyBenefit system,
  • Access to an internal training platform,
  • Possibility to work in a hybrid model with a 2 days in the office policy,
  • Friendly work atmosphere in a cooperation-driven team, that will support you everyday,
  • Work in an international organization operating in a rapidly changing industry.
    • About us
    At PayU, we are a international fintech and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Find out more www.payu.com
    Our Commitment To Building A Diverse And Inclusive Workforce
    As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.

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