Senior POS Operations & Risk Analyst (Payments)

We are growing fast, and so is our POS team. We are looking for a senior analyst to help keep our payments safe, fast and reliable as we scale across Europe.

If you know payments risk, chargebacks and underwriting, and want a role where you can grow into leadership, this is for you.

About the Role

As deputy to the POS Operations Team Lead, you will be the senior reference point for risk and operations in our POS team, based in our Malta office.

What you’ll do

Your core focus: transaction monitoring

• Coordinate transaction monitoring for POS Operations: identify, review and escalate risk indicators, suspicious patterns and merchant behaviour concerns to Compliance and Risk

• Run manual reviews where automated tools fall short, and prepare clear, evidence-based case summaries, including for offboarding reviews

Underwriting & Onboarding

• Complete underwriting decisions accurately and within SLA

• Handle escalated POS onboarding cases as second level, and escalate suspicious or high-risk cases to Compliance and Risk

Stock & Courier partner

• Keep terminal stock records accurate and audit-ready, forecast stock needs and coordinate replenishment across regions

• Own day-to-day communication with our Italian courier partner, and escalate recurring issues to the Team Lead

Chargebacks and disputes

• Act as first line in designing and improving a scalable, pan-European chargeback framework

• Resolve chargebacks and disputes in line with regulatory and scheme rules, working with Finance, Legal and Risk, and use outcomes to improve processes

Operations and continuity

• Be the reference point for POS support tickets, and keep handbooks and procedures up to date

• Share usage insights and performance data with the Team Lead

• Deputise for the Team Lead, keeping priorities and escalations moving and escalating decisions that need formal approval

What you’ll bring

• 3 to 5 years of experience in payments

• Fluent English; fluent Italian is strongly preferred

• Based in Malta

• Risk awareness: you spot unusual merchant behaviour, suspicious patterns and fraud indicators, and know when to escalate

• Analytical rigour: you work accurately with operational, underwriting and transaction data

• Operational judgement: you apply procedures consistently and make sound recommendations

• Payments knowledge: you understand onboarding, underwriting, chargebacks and disputes

• Process mindset and ownership: you keep workflows documented and auditable, plan ahead and follow through

• Stakeholder management: you communicate clearly with Compliance, Risk, Finance, Legal and external partners

• Nice to have: experience in POS or acquiring chýba pod What you’ll bring.

What you’ll gain

• A step towards leadership: as deputy to the Team Lead, you gain the experience to take on a leading role

• Real ownership: help shape our pan-European chargeback framework from the start

• A growing team: our POS team is growing quickly, and team members have already moved into lead roles

• The full payments picture: hands-on experience from onboarding to disputes

What we offer

• Indefinite contract

• Private health insurance

• Hybrid working: four days in the office, one day from home

• A modern office on the 11th floor of Portomaso Business Tower in St Julian’s, with panoramic views

• On-site parking

• Apple equipment for your work

• An international team of nearly 100 people from more than 10 countries, based in Malta, Helsinki and London

• Life beyond work: regular team events and a friendly, supportive atmosphere

• Room to grow in a fast-growing, regulated fintech, where we invest in our people

• Modern tools, including AI, built into the way we work every day

What happens next

1. We review your CV and get back to you.

2. A short online call with our People team.

3. An in-person interview at our office with our Head of Payments Solutions and the POS Operations Team Lead.

Ready to grow with us? Apply with your CV, no cover letter needed.