Onboarding Risk Manager

• Manage the Onboarding Risk team across 3 regions (NA, UK/EU, APAC) as the first line of defence for identifying fraud and payment-related risks during account onboarding. • Report to and support the Head of Risk & Compliance to identify and drive improvements ensuring risk processes are holistic, compliant, and of exceptional standards. • Lead day-to-day operations while coaching, developing, and setting performance standards for team members and team leads.

• Bring 4+ years of experience in Onboarding or Credit Risk spaces. • Have 2+ years of experience working in Merchant Acquiring, E-Commerce, or a similar role at a FinTech. • Have 3+ years of experience in team management. • Be comfortable working with teams in multiple time zones. • Have a positive attitude and enjoy supporting and nurturing others. • Bring solutions to the table and not be afraid to point out where things are going wrong. • Have excellent communication skills and be a fluent English speaker and writer. • Love reading and learning about new ways of doing things. • Be comfortable with a little chaos and uncertainty in a fast-moving environment where decisions are sometimes made quickly and without all of the information. • Be comfortable using Artificial Intelligence in everyday processes.

• Have experience and understanding of card scheme requirements. • Have expertise on Card Scheme rules and relevant global payments legislation. • Have experience building or updating risk-related processes and playbooks from scratch. • Have knowledge of scheme rules and legislation around acquiring.

• Lead the day-to-day operations of the Onboarding Risk team, 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. • Provide expert support on complex or high-risk applications including escalations and judgement-based decision-making. • Own onboarding risk procedures by documenting, maintaining, and continuously improving processes, controls, and playbooks. • Build strong relationships across Risk and with key internal and external stakeholders to enable effective decisioning and smooth execution. • Oversee and strengthen onboarding risk management, ensuring policies and controls are applied effectively and proportionately. • Act as a subject-matter expert for onboarding processes including KYB, KYC, Screening, and Final Reviews. • Partner closely with Sales, Customer Support, Operations, and Engineering to ensure onboarding delivers both strong risk outcomes and an excellent customer experience. • Handle complex escalations, make sound judgement calls including with incomplete information, and ensure decisions are well-reasoned and appropriately recorded. • Evolve the KPI structure in collaboration with the Head of Risk & Compliance, ensuring the team meets goals while fostering a supportive and inclusive environment. • Collaborate with Legal, Support, and Product teams on projects to improve the Risk & Compliance function.

• Work remotely as a digital-first company, from home, from a stylish hub, or a mix of both. • Receive generous holiday leave. • Receive 4 months paid family leave regardless of gender. • Receive an annual learning fund with regular internal and external training. • Enjoy constant exposure to new challenges for personal development.

Paddle offers digital product companies a completely different approach to their payment infrastructure. Instead of assembling and maintaining a complex stack of payments-related apps and services, Paddle is a Merchant of Record, taking away 100% of the pain of payment fragmentation. Backed by investors including KKR, FTV Capital, Kindred, Notion, and 83North, the company serves over 6,000 software sellers in 245 territories globally.