Merchant Onboarding Manager

Who you are

• 1–3 years of experience in merchant onboarding, KYC/KYB, AML/CFT, or financial services
• Understanding of payment products and merchant acquiring processes
• Good understanding of AML/CFT legislation, KYC/KYB/ODD requirements, including Sanctions-, PEP, and Adverse Media screening
• Ability to analyse corporate structures, ownership chains and contractual documentation
• Experience working with CRM and onboarding platforms (e.g., MS Dynamics, Console, or equivalent)
• Strong analytical and problem-solving skills
• Excellent communication skills with both customers and internal stakeholders
• High attention to detail and documentation quality
• Proficiency in Microsoft Office applications
• Please don’t shy away if you don’t meet all the requirements! We’re looking forward to meeting you

What the job involves

• The Merchant Onboarding Manager is responsible for delivering a seamless, compliant, and customer-centric onboarding experience for both prospective and existing merchants throughout onboarding and ongoing lifecycle due diligence activities
• The role ensures that merchants are onboarded efficiently while meeting all regulatory, compliance, and internal policy requirements
• Manage assigned end-to-end onboarding cases for new and existing merchants across all supported payment products using the relevant onboarding systems
• Perform merchant risk assessments and KYC/KYB/AML due diligence, including Sanctions-, PEP-, and Adverse Media screening, in accordance with internal and regulatory requirements
• Execute Ongoing Due Diligence (ODD), periodic reviews, trigger event reviews and remediation activities for existing merchants throughout the customer lifecycle
• Review and validate customer documentation, corporate ownership structures, Ultimate Beneficial Owners (UBOs), authorized signatories, contractual documentation and supporting evidence to ensure completeness and regulatory compliance
• Monitor onboarding cases, identify missing information and proactively coordinate with merchants and internal stakeholders to drive cases to completion
• Escalate complex or high-risk cases to Compliance, Risk or other relevant stakeholders where appropriate
• Facilitate technical and billing onboarding by executing required activities and/or ensuring complete and accurate handover to the relevant downstream teams
• Ensure assigned cases are completed accurately, within agreed SLAs, and in accordance with regulatory requirements and internal quality standards
• Apply new regulatory and internal policy requirements as processes evolve
• Maintain accurate documentation and case records in the relevant systems
• Identify opportunities to improve operational efficiency and contribute ideas for process improvements within the team

The application process

• Apply with your CV in English
• The interview process includes: a 30min intro call with a TA Partner, a 45-min Hiring Manager interview, a 60-min skills assessment call with the team. Please note the process might alter depending on our team’s availability

Benefits

• Flexible working hours
• A hybrid work model allows you to keep work-life balance – you can work from home up to 80% of the time
• A learning budget for personal development in addition to internal knowledge-sharing forums and best practice sharing. We want you to have the ability to learn something new every day!
• A fast-paced work environment with the creative freedom to contribute to Unzer’s future
• Excellent working atmosphere in ambitious, diverse, and agile teams