Join a dynamic European FinTech group specializing in alternative payment solutions from crypto exchanges to digital payment platforms. We develop secure, compliant, and scalable systems serving international merchants and financial partners. We are seeking an experienced Payments Manager to oversee one of the most important processes in our company. You will be responsible for managing and optimizing payment flows, maintaining relationships with payment partners, and ensuring the smooth execution of transactions across multiple regions and industries. Responsibilities: Opening of the business accounts in banks, EMIs, and PSPs as well as the opening of merchant accounts. This also implied day-to-day communication with the above-mentioned financial institutions via email, phone calls, and video calls. Communication with the clients, understanding of their needs and their current payment model. Advising on the most efficient payment structure, and presenting alternative banking options. Company documentation preparation for the account opening as well as bank's form filling, documents shipping, etc. Research of new banks/EMIs/PSPs for future partnerships. Management of the CRM system. Reporting and updating tasks with regard to the status of account opening, research, etc. Requirements: At least 1 year of working experience in any of the following companies/fields: Fintech, PSP, Payment gateway, EMI, or a Consulting company specializing in these fields; Understanding of general aspects of different payment methods: SEPA/SWIFT transfers, acquiring (MDR, chargeback rates, etc.) Knowledge of different types of financial institutions and their differences. Ability to manage multiple projects/clients simultaneously. Be attentive to detail and have excellent analytical and problem-solving skills. Confident user of MS Office (MS Excel, Word, PPT, etc.) Knowledge of English not lower than B2 level is a must! Would be a plus: Understanding corporate documents' terms and requirements for different European jurisdictions. Passionate about the fintech and consulting industries, desire for self-improvement. What we offer: Remote work Working alongside professional, driven people and experts in the industry around the globe. Send you resume at: HR@prime-albania.com with the subject: Payment Manager
The Head of Risk is a pivotal leadership role responsible for safeguarding Paythex's global operations across multiple jurisdictions, payment channels, and financial ecosystems. You will lead the Risk Team in managing fraud, chargebacks, payment compliance, and operational risk while driving efficiency and revenue optimization through deep data analytics and automation. This position is ideal for professionals who want to work in real payments diving into the complexities of multi-MID architectures, cascading logics, acquirer performance, and cross-border risk mitigation. Your Future Challenges Optimize payment flows Analyze throughput, test new markets, and fine-tune cascades to improve global conversion rates. Manage acquiring networks Work directly with international banks and PSPs to configure and launch MIDs. Master chargeback mechanics Analyze disputes, friendly fraud patterns, and initiate alert/representation services. Automate and innovate Design processes that enhance payment infrastructure efficiency and transparency. Make an impact Every decision you make can add thousands of dollars to company revenue through better approval ratios and lower fees. Your Responsibilities 1. Risk Management & Governance Design, implement, and oversee Paythex's Risk Management Framework in collaboration with the CRO. Conduct periodic enterprise risk assessments covering operational, financial, legal, and compliance dimensions. Develop internal governance and escalation protocols for emerging risks and regulatory requirements. Ensure compliance with international financial standards, VASP obligations, and PSP regulations. 2. Fraud Prevention & Chargeback Management Build and maintain advanced fraud detection rules in anti-fraud systems. Manage chargeback alerts (Ethoca, Verifi, etc.) and representation flows with precision. Oversee fraud trend analysis and risk scoring logic to proactively minimize exposure. Collaborate with Data and BI teams to enhance automated alerting, scoring models, and dashboards. 3. Mastercard & Visa Compliance Ensure full adherence to Mastercard and Visa Compliance policies. Track and report on Fraud-to-Sales and Chargeback-to-Sales ratios to prevent merchant monitoring program violations. Prepare and submit remediation plans if thresholds are exceeded and manage communications with acquirers or card scheme representatives. Collaborate with PSPs and banks to maintain brand reputation compliance, transaction integrity, and descriptor accuracy. Stay current with updates to Mastercard and Visa risk programs proactively adjusting risk rules and merchant configurations. 4. Payment Optimization Monitor PSP and acquirer performance globally and adjust routing logic to improve approval rates. Collaborate with Finance and Tech teams to reconcile transactional data and verify processing accuracy. Test and integrate new payment methods to expand the company's market coverage. 5. Leadership & Team Development Hire, mentor, and lead a team of risk and chargeback analysts. Define KPIs, conduct regular performance reviews, and provide ongoing professional training. Foster a high-performance, data-driven culture that emphasizes accountability and growth. Collaborate cross-functionally with Finance, Sales, and Support to maintain a unified risk strategy. 6. Reporting & Analytics Develop real-time dashboards with the BI team to visualize approval ratios, alerts, chargebacks, and exposure. Provide regular strategic reports to management outlining key risks, financial impacts, and mitigation progress. Identify patterns and anomalies across PSPs, brands, and affiliates, translating data into actionable strategies. Qualification Requirements 3+ years in risk management, fraud prevention, or payments analytics (Fintech experience preferred). Proven expertise in managing multi-PSP / multi-MID infrastructures and chargeback processes. Strong analytical and quantitative skills proficiency in Excel, Power BI tools. Familiarity with alert systems (Ethoca, Verifi) and acquirer monitoring tools. Experience working with international PSPs and card schemes (Visa, Mastercard, etc.). Excellent communication skills, capable of liaising with banks, regulators, and internal stakeholders. Passion for continuous learning and an investigative mindset suited to rapidly evolving fintech landscapes. Ability to thrive in a global team environment with shifting priorities and tight deadlines. Why Join Paythex Global scale: Work with banks, PSPs, and partners across continents. Direct business impact: Each optimization you deliver directly influences company revenue. Technical depth: Hands-on exposure to real payments data routing, acquirer tuning, and chargeback mechanics. Professional growth: Build rare, in-demand expertise at the intersection of fintech, analytics, and compliance.