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