Senior Risk Manager (Fintech)

Location: Riga, Latvia — fully remote

Salary: €2,500–€3,500 gross per month

Company

Fintech startup building a modern acquiring business with direct Visa and Mastercard membership for the neobank and EMI industries.

What you will do

• Conduct risk-based due diligence and onboarding for e-commerce merchants.
• Assess merchants against Visa and Mastercard scheme rules, MCC classifications, and internal risk policies.
• Monitor merchant activity, transaction trends, and compliance with card scheme thresholds.
• Investigate suspicious activity and implement risk mitigation measures.
• Perform ongoing merchant risk reviews and support AML-related monitoring.
• Contribute to enterprise risk assessments, risk projects, process improvements, and senior-management reporting.

Requirements

• 4+ years of experience in risk, underwriting, merchant onboarding, or fraud-related roles.
• 1+ year of experience in card acquiring, Visa/Mastercard risk programs, and reporting processes.
• Practical understanding of card scheme rules and merchant risk monitoring.
• Basic AML/CTF knowledge sufficient to identify and escalate red flags.
• Experience with enterprise risk assessment frameworks or risk registers.
• English at C1 level and Russian at C1 level required; Latvian is an advantage.

Culture & Benefits

• Fully remote work.
• Competitive salary aligned with experience.
• Fast-track career growth with potential progression to Risk Director.
• High-impact role in a scaling fintech company.
• Recognition of personal milestones and achievements.
• Social benefits.