Merchant Risk Manager (m/f/d)

ABOUT US

Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow. At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they choose to shop. We are a team of over 750 experts from 70 different nationalities, dedicated to creating a state‑of‑the‑art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience. Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference. Our offices: We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.

ABOUT THE TEAM

We are seeking a Merchant Risk Manager to join our Munich office, where you will play an important role in strengthening our risk framework, driving operational excellence, and supporting the continuous evolution of our risk management practices. What your work will look like: Play a key role in managing and enhancing the merchant risk program, supporting the identification, assessment, mitigation, and monitoring of risks across payment card processing, alternative payment methods, and fraud prevention activities. Monitor merchant transaction data to proactively detect suspicious or potentially fraudulent activity, while collaborating closely with internal teams and external partners to investigate incidents and implement effective resolutions. Provide guidance, training, and ongoing support to internal stakeholders and external partners on merchant risk management, fraud prevention strategies, and chargeback handling best practices. Contribute to maintaining high-quality risk data and reporting standards, ensuring accurate insights that support informed decision‑making across the business. What you need to be successful in this role: Knowledge of the payment industry or relevant experience in the banking industry. High‑risk underwriting knowledge, including experience in assessing and managing high‑risk merchants and industries, is preferable. 2+ years’ experience within payments‑related and/or risk management positions. Experience with SQL queries for data extraction, filtering, and analysis would be a strong plus. Analytical, problem‑solving skills with an eye for detail and willingness to challenge the status‑quo ongoingly. Fluency verbally and in writing in English is mandatory.

WHAT’S IN THERE FOR YOU:

Work from home up to 60% of the time. We want you to keep your work‑life balance. Mobility support, whether you choose bike rental or leasing or a Deutschlandticket – we've got you covered. Explore counseling assistance, be it for professional or personal matters, through our associated platform. Pension scheme, we want to give back and help you secure your future. 15 days a year of workation from your desired destination within the EU. Flexible working hours – you get to choose the schedule that works best for you! Learning budget of 1000 euros per year – you can develop your passions with us. Enjoy some fun moments with your coworkers – we throw a company party once a year and host several team events! *Unzer is an equal employment opportunities workplace, and we commit to hiring regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law. Please refrain from including your picture and age with the application. #J-18808-Ljbffr Unzer Group