Payments Risk Analyst

**About the company**

Join a team that’s redefining the future of e-commerce At **Luna Group**home of **Marbill** we believe in empowering not only our merchants but also our employees.

Here, you’ll find a supportive, innovative, and dynamic work environment where your ideas matter and your growth is a priority.

Ready to grow with us? Let’s create something amazing together.

**Here's what we offer**:
**Flexible working hours**- Work when you're most productive

**Hybrid position based in Marbella** - Combine remote work with in-person team connection.

**Referral bonuses**- Get rewarded for bringing great talent on board.

**Comprehensive training** - We invest in your growth from day one.

**Competitive salary** - Based on your experience, with regular reviews.

**23 days of annual leave** - Recharge and enjoy your time off.

At Marbill, we are an ambitious, fast-moving team that thrives in a dynamic and agile environment. Our professionals, hailing from over 30 countries, are resilient, accountable, and solution-oriented. We make things happen quickly, embracing challenges with fresh ideas and a focus on impactful results. We equip our team with the tools and support they need to succeed, fostering both professional and personal growth.

**About the Role (Hybrid position - Marbella, Spain)**:
Youʼll work closely with client service, compliance, and operations teams to review and evaluate merchant performance, identify anomalies, and implement appropriate mitigation actions. This is a great opportunity for someone who combines strong analytical skills with a keen understanding of risk behaviors in the digital payments ecosystem.

**Key Responsibilities**

- Monitor and analyze merchant performance data (MIDs) including volume, chargebacks, refunds, and fraud trends.
- Conduct risk checks and ongoing reviews for new and existing merchants to ensure compliance with internal and card scheme standards.
- Support MID enrollment reviews, ensuring appropriate risk tiering, documentation, and approval alignment.
- Monitor merchant performance and chargeback activity to ensure compliance with card network thresholds and programs such as VAMP (Visa Acquirer Monitoring Program) and Mastercard Chargeback Monitored Merchant programs.
- Investigate alerts, anomalies, or scheme notifications (TC40, SAFE, etc.), escalating as needed.
- Prepare and maintain risk reports and dashboards to track portfolio health and key KPIs.
- Participate in the continuous enhancement of risk procedures, controls, and monitoring tools.
- Support periodic audits and contribute to internal documentation related to risk management activities.

**What We're Looking For**

- 2-3 years of experience in **risk, fraud, or payments operations**, ideally within an acquirer, PSP, or fintech environment.
- Solid understanding of **merchant acquiring, chargeback processes, and card scheme regulations (Visa/Mastercard).**
- Analytical mindset with experience using** Excel, BI tools, or SQL**for data review and trend analysis.
- Ability to work autonomously, manage multiple priorities, and maintain accuracy under pressure.
- Strong communication and reporting skills able to translate complex risk insights into clear recommendations.
- Detail-oriented with a proactive, problem-solving approach.

**Nice To Have**

- Exposure to** fraud monitoring tools**or **transaction risk platforms**.
- Knowledge of** AML/CTF, PSD2**, or **EMI/PI regulatory frameworks.**
- Experience in merchant underwriting or portfolio risk management.
- Familiarity with Visa and Mastercard monitoring programs (e.g., VAMP, VDMP, VFMP, MC CMP).

**Why Join Us**

- Work in a **fast-growing fintech/payments environment** with a global footprint.
- Collaborate with experienced professionals across **risk, compliance, and operations.**
- Gain exposure to diverse merchant verticals and emerging payment models.
- Opportunity to shape and enhance our **risk management framework** as we scale.

**#LI-Hybrid