Risk & Compliance Specialist – Payments

This is a fully remote position, open to applicants in Switzerland.

📋 Description

• Act as the primary contact for payment risk across all DotWorld merchant accounts and markets.

• Establish a unified risk standard for all SaaS products, tailored to each market.

• Oversee fraud prevention, dispute resolution, and adherence to card network regulations.

• Manage the anti-fraud tools and protocols for each Payment Service Provider (PSP).

• Customize anti-fraud regulations for each product, market, and customer segment.

• Tackle issues related to free trials, subscriptions, and friendly fraud.

• Formulate the 3DS strategy for each market, ensuring a balance with conversion rates.

• Handle chargeback prevention strategies and alerts, along with deflection rates for each Merchant Identification Number (MID).

• Assume responsibility for PayPal disputes and country-specific thresholds.

• Investigate the root causes of disputes and ensure they are adequately addressed.

• Keep each MID compliant with the thresholds set by Visa, Mastercard, and PayPal monitoring programs.

• Ensure adherence to scheme rules regarding retries, descriptors, and CIT/MIT tagging.

• Represent DotWorld in discussions with PSP risk teams.

• Collaborate with Legal to define EU and US checkout standards and verify compliance prior to each launch.

• Develop the risk standard for each new MID or market and grant risk approval before launch.

• Stay updated on changes in scheme rules and subscription legislation.

• Maintain the risk dashboard and alert-triggered playbooks.

• Propose well-supported solutions and lead their execution.

• Develop and oversee AI agents to automate routine monitoring tasks.

• Work in conjunction with the Head of Payment, Head of Partnerships, Data team, and product squads.

⛳️ Requirements

• Ideally possess 5 years of experience in payment risk, though highly capable junior or senior profiles will be considered.

• Experience within an e-commerce or subscription SaaS merchant, PSP, fintech, card scheme, or payment network.

• Practical experience with the US market, covering scheme rules, chargebacks, and state laws related to automatic renewals.

• Proven track record in managing PayPal disputes and associated risks.

• In-depth knowledge of Visa and Mastercard monitoring programs.

• Experience in configuring anti-fraud rules within PSP tools.

• Understanding of the variations in fraud patterns between Europe and the US.

• Proficient in working with data, generating reports, and utilizing native PSP reports.

• Demonstrated autonomy and sense of ownership.

• Exceptional prioritization capabilities and the ability to make informed decisions under pressure.

• Strong documentation practices, including procedures, change logs, and PSP case files.

• Fluency in French is mandatory.

• Minimum B2 level in English is required, with fluent English expected in daily interactions.

• Interest or ability in building and monitoring AI agents is advantageous.

• Experience with LATAM or Asian markets is a plus.

• Background in a scale-up environment without a dedicated team is an asset.

🏝️ Benefits

• €200 monthly coworking budget.

• Flexible vacation policy.

• Flexible working hours.

• Opportunity to work remotely from a different time zone for one month.

• Equipment budget for a laptop, desk, chair, monitor, and headset.

• Two company seminars annually.

• For the hybrid option in Lausanne: modern offices, access to sports facilities, parking, and commuting cost support.

• Professional development opportunities.

• Culture of innovation.

• Career growth opportunities.

• Ability to work remotely from anywhere in Europe.