Senior Payments Risk Specialist
About Us
Peach Payments is a cutting-edge fintech company shaping the future of digital payments across Africa. We empower businesses of all sizes, from startups to enterprise merchants, by providing a secure, scalable, and seamless payments infrastructure.
More about the role
Underwriting & Merchant Risk Oversight
Manage complex underwriting and merchant risk reviews across multiple merchant types, payment methods, partners, and regions
Review KYC/KYB documentation and perform merchant risk assessments during the onboarding lifecycle
Conduct Enhanced Due Diligence (EDD) reviews where required
Assess operational, fraud, reputational, and compliance-related risks associated with merchants and payment activities
Support aggregation and partner risk oversight across expanding regional operations
Monitoring & Operational Risk Management
Manage operational monitoring queues including:
1. Transaction monitoring
2. Settlement monitoring and hold reviews
3. Fraud and operational risk alerts
4. Sanctions & PEP reviews
5. ORCA and other monitoring platform alerts
Investigate fraud incidents, BIN-related incidents, operational escalations, and suspicious activity.
Take ownership of escalated operational risk and fraud-related cases requiring experienced judgement and decision-making.
Merchant, Bank & Partner Engagement
Act as a key operational risk contact for merchants, banks, payment method partners, and internal stakeholders
Lead and participate in discussions relating to merchant risk concerns, fraud incidents, operational escalations, and monitoring outcomes
Work closely with Compliance, Operations, Product, Commercial, and Support teams to manage operational risk effectively
Operational Oversight & Continuous Improvement
Support operational resilience and continuity within the Risk function through experienced operational oversight and escalation support
Assist in improving monitoring workflows, operational processes, and risk procedures
Support automation and operational improvement initiatives by identifying inefficiencies, recurring risks, and opportunities for process enhancement
Contribute to reporting and operational analysis where required
🤩 What we'd like you to have:
Minimum 4 years experience in payments, fraud, operational risk, underwriting, or fintech operations
Strong understanding of merchant underwriting, KYC/KYB processes, transaction monitoring, and risk management
Experience handling fraud investigations, escalations, or monitoring review queues
Comfortable engaging directly with merchants, banking partners, and payment method providers
Strong judgement and independent decision-making ability
Ability to balance risk mitigation with operational and commercial considerations
Experience working in fast-paced fintech, payments, acquiring, or aggregation environments preferred
Strong communication, stakeholder management and problem-solving skills
Experience with fraud/risk monitoring systems and review tooling advantageous
Ability to analyse risk trends and contribute to reporting and operational insights
Comfortable working with operational data, reporting, monitoring platforms, and risk tooling
Interest or exposure to operational automation, AI-assisted review processes, or workflow optimisation advantageous
Be part of our journey in redefining digital payments in Africa!
At Peach Payments we value diversity and are committed to inclusion across race, gender, age, religion, identity, and experiences.
Apply To This Job
Peach Payments is a cutting-edge fintech company shaping the future of digital payments across Africa. We empower businesses of all sizes, from startups to enterprise merchants, by providing a secure, scalable, and seamless payments infrastructure.
More about the role
Underwriting & Merchant Risk Oversight
Manage complex underwriting and merchant risk reviews across multiple merchant types, payment methods, partners, and regions
Review KYC/KYB documentation and perform merchant risk assessments during the onboarding lifecycle
Conduct Enhanced Due Diligence (EDD) reviews where required
Assess operational, fraud, reputational, and compliance-related risks associated with merchants and payment activities
Support aggregation and partner risk oversight across expanding regional operations
Monitoring & Operational Risk Management
Manage operational monitoring queues including:
1. Transaction monitoring
2. Settlement monitoring and hold reviews
3. Fraud and operational risk alerts
4. Sanctions & PEP reviews
5. ORCA and other monitoring platform alerts
Investigate fraud incidents, BIN-related incidents, operational escalations, and suspicious activity.
Take ownership of escalated operational risk and fraud-related cases requiring experienced judgement and decision-making.
Merchant, Bank & Partner Engagement
Act as a key operational risk contact for merchants, banks, payment method partners, and internal stakeholders
Lead and participate in discussions relating to merchant risk concerns, fraud incidents, operational escalations, and monitoring outcomes
Work closely with Compliance, Operations, Product, Commercial, and Support teams to manage operational risk effectively
Operational Oversight & Continuous Improvement
Support operational resilience and continuity within the Risk function through experienced operational oversight and escalation support
Assist in improving monitoring workflows, operational processes, and risk procedures
Support automation and operational improvement initiatives by identifying inefficiencies, recurring risks, and opportunities for process enhancement
Contribute to reporting and operational analysis where required
🤩 What we'd like you to have:
Minimum 4 years experience in payments, fraud, operational risk, underwriting, or fintech operations
Strong understanding of merchant underwriting, KYC/KYB processes, transaction monitoring, and risk management
Experience handling fraud investigations, escalations, or monitoring review queues
Comfortable engaging directly with merchants, banking partners, and payment method providers
Strong judgement and independent decision-making ability
Ability to balance risk mitigation with operational and commercial considerations
Experience working in fast-paced fintech, payments, acquiring, or aggregation environments preferred
Strong communication, stakeholder management and problem-solving skills
Experience with fraud/risk monitoring systems and review tooling advantageous
Ability to analyse risk trends and contribute to reporting and operational insights
Comfortable working with operational data, reporting, monitoring platforms, and risk tooling
Interest or exposure to operational automation, AI-assisted review processes, or workflow optimisation advantageous
Be part of our journey in redefining digital payments in Africa!
At Peach Payments we value diversity and are committed to inclusion across race, gender, age, religion, identity, and experiences.
Apply To This Job