Roles & Responsibilities:

• Conduct thorough due diligence (CDD/EDD) to review and approve new and existing merchants for online banking and retail manager
• Ensure compliance with internal risk policies, AML regulations, and card scheme requirements
• Evaluate existing merchants' requests such as new MID applications, revised rates, and additional payment methods
• Perform site visits for high-risk merchants to validate business legitimacy
• Liaise with acquirers on application submissions, approvals, MID testing, enablement, and special rate arrangements
• Support the account managers and respond to merchant inquiries by providing accurate risk guidance and solutions
• Prepare and maintain monthly MIS and reports related to merchant underwriting
• Provide training and guidance to junior executives (where applicable)
• Collaborate cross-functionally to support business and risk-related projects 

Requirements:

• Possess at least a Diploma or bachelor’s degree (or equivalent)
• Minimum 3 years of working experience in payment gateway, fintech, banking, or related fields
• Good understanding of AML, KYC, EDD, and CDD processes
• Familiar with high-risk industries and regulatory compliance requirements (Eg, Licenses)
• Good knowledge of the payments industry, including card scheme rules and relevant regulations
• Good verbal and written communication skills
• Good interpersonal skills; supportive, organized, with leadership qualities and sound decision-making abilities