Onboarding Risk Manager

• Manage Paddle's Onboarding Risk team, with analysts and leads across three regions (NA, UK/EU, APAC), as the first line of defence for identifying fraud and payment-related risks during account onboarding. • Bring a solid background in leadership, process optimisation, and onboarding risk management to a fast-paced, ever-changing environment. • Report to and support the Head of Risk & Compliance, identifying and driving improvements so risk processes are holistic, compliant, and of exceptional standard. • Collaborate with Legal, Support, and Product teams on projects to improve the wider Risk & Compliance function, and assist with company risk-related recommendations and decisions.

• Bring 4+ years of experience in Onboarding or Credit Risk. • Bring 2+ years of experience in Merchant Acquiring, E-Commerce, or a similar role at a FinTech. • Bring 3+ years of experience in team management, having previously line-managed teams. • Be comfortable working with teams across multiple time zones. • Bring a positive attitude and enjoy supporting and nurturing others. • Bring solutions to the table and be willing to point out where things are going wrong. • Communicate excellently as a fluent English speaker and writer, translating risk decisions into customer-appropriate narratives. • Be comfortable with a little chaos and uncertainty, and with using AI in everyday processes.

• Bring experience and understanding of card scheme rules and requirements. • Have knowledge of legislation around acquiring. • Have prior experience building or updating risk-related processes. • Have acted as a subject-matter expert on KYB, KYC, screening, or final reviews.

• Line-manage the Onboarding Risk function across all regions, aligning priorities, coverage, and decision standards, and ensuring consistent, high-quality risk decisions and throughput. • Manage, coach, and develop team members and team leads, setting clear goals, feedback rhythms, and performance standards. • Act as a subject-matter expert for onboarding processes (KYB, KYC, screening, final reviews), risk assessment, and decisioning frameworks. • Provide expert support on complex or high-risk applications, handling escalations and judgement-based decisions with sound reasoning, even with incomplete information. • Own onboarding risk procedures, documenting, maintaining, and continuously improving processes, controls, and playbooks internally and externally. • Partner with leaders and peers beyond your domain (Sales, Customer Support, Operations, Engineering) to deliver both strong risk outcomes and an excellent customer experience, unblocking decisions and driving process improvements. • Provide expertise on card scheme rules and global payments legislation, ensuring processes reflect evolving requirements. • Evolve the KPI structure with the Head of Risk & Compliance, helping the team meet its goals while fostering a supportive, inclusive environment.

• Work digital-first, remotely, from one of Paddle's hubs, or a mix of both. • Take generous holiday leave. • Get 4 months' paid family leave regardless of gender. • Invest in your development through constant exposure to new challenges, an annual learning fund, and regular internal and external training.

Paddle offers digital product companies a completely different approach to payment infrastructure. Instead of assembling and maintaining a complex stack of payments-related apps and services, Paddle acts as a Merchant of Record for its customers, taking away the pain of payment fragmentation in a way that's faster, safer, and cheaper. Backed by investors including KKR, FTV Capital, Kindred, Notion, and 83North, Paddle serves over 6,000 software sellers across 245 territories globally.