Senior Payments Risk Specialist

Peach Payments

2d

About The Position

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.

Requirements

• 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

Nice To Haves

• Interest or exposure to operational automation, AI-assisted review processes, or workflow optimisation advantageous

Responsibilities

• 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
• Manage operational monitoring queues including: Transaction monitoring, Settlement monitoring and hold reviews, Fraud and operational risk alerts, Sanctions & PEP reviews, 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.
• 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
• 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

Benefits

• We value diversity and are committed to inclusion across race, gender, age, religion, identity, and experiences.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed