Job Posting: Onboarding & Risk (Underwriting) Specialist – High-Risk Ecommerce
Location:
Dublin, IE (Hybrid) | London, UK (Remote)
About the Role
We are seeking a confident and commercially minded Onboarding & Risk (Underwriting) Specialist to join our growing global Compliance and Risk team.
This role sits at the heart of our high-risk ecommerce acquiring business and plays a critical role in enabling safe, scalable growth across our payment platform.
You will take ownership of the end-to-end underwriting and onboarding of ecommerce merchants, applying a risk-based, judgment-led approach rather than a purely checklist-driven model.
This is an ideal role for a strong decision-maker who is comfortable working independently, assessing incomplete or imperfect information, and balancing risk with commercial opportunity.
You'll work closely with internal stakeholders and external acquiring partners, operating with a high degree of autonomy and accountability.
Previous experience in the adult/dating underwriting sector is a strong advantage.
Key Responsibilities
Perform risk-based underwriting reviews of new and existing merchants in line with internal policies, regulatory requirements, and card scheme rules.
Conduct comprehensive merchant website and business model reviews within high-risk ecommerce verticals, particularly adult/dating.
Complete CDD, EDD, ODD, and AML assessments, including PEP and sanctions screening using internal and third-party tools.
Apply sound judgment to identify, assess, and mitigate financial, operational, and reputational risk.
Maintain accurate, complete, and up-to-date KYB records across the merchant lifecycle.
Act as a key point of contact for Account Managers, proactively guiding them on compliance, risk requirements, and documentation needs.
Liaise with acquiring partners on onboarding queries, account changes, and merchant exits.
Review daily exception and monitoring reports, investigating anomalies and escalating issues where appropriate.
Contribute to ongoing improvements in underwriting frameworks, tools, and processes.
Support and coach colleagues by sharing underwriting knowledge and best practices.
Undertake ad-hoc projects and risk initiatives as the business evolves.
What We're Looking For
3+ years' experience in ecommerce merchant acquiring or underwriting within a high-risk environment (experience in adult and/or dating is highly desirable).
Credit risk or financial analysis experience is a strong asset.
Proven ability to make independent, risk-based decisions with confidence and accountability.
Strong understanding of card scheme rules, merchant acquiring risk concepts, and onboarding requirements.
Solid working knowledge of CDD, AML, and financial crime controls.
Commercially aware, able to balance risk mitigation with business enablement.
Analytical thinker with strong attention to detail and sound investigative skills.
Comfortable working with minimal oversight in a fast-paced, evolving environment.
Excellent written and verbal communication skills in English.
Highly organized with the ability to manage multiple priorities effectively.
Strong systems literacy; SQL Server or data analysis experience is a plus.
Willingness to travel occasionally if required.
Why Join Us?
High-impact role with real decision-making authority.
Exposure to complex, global high-risk ecommerce models.
Collaborative, international team with a pragmatic and mature compliance and risk culture.
Opportunity to shape underwriting approaches and influence risk strategy.
Flexible working arrangements and a strong emphasis on trust and ownership.
If you are ready to make a significant impact and thrive in a dynamic environment, we encourage you to apply and join our team!
SegPay is an equal opportunity employer and values diversity at our company.
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