This is Worldline We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. The solutions our people build today power the growth of millions of businesses tomorrow. From your local coffee shop to unicorns and international banks. From San Francisco to Auckland. We are in every corner of the world, in every part of commerce.And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution.

The Opportunity

We are looking for Merchant Risk Specialist that is part of 2nd Line of Defence Risk in Worldline Merchant Services Italia, and its

primary responsibilities

are to





oversee the risk management framework

governing merchant risk and manage the

Risk

Data Analyst

in the company (Data quality)

Under the responsibility of the local Chief Risk Officer, the Merchant Risk Manager tackles merchant risk (credit, fraud, payment schemes, integrity) and ensures that the risk/reward balance is consistent with the company's strategy.

Merchant Risk Manager is responsible to contribute to the design and oversee the establishment of the risk reporting tool used for merchant portfolio reporting and steering. In this area, primary responsibilities are to oversee the risk resulting from the payment transactions of Worldline’s merchants and to provide user-friendly tools reflecting accurate portfolio data. The team strives to turn large amounts of data generated by payment transactions into unique insights, dashboards and KRIs.

Day-to-Day Responsibilities

Collaborations are established with product teams, operations, data engineers, and risk experts to plan, develop, and deliver projects related to merchant risk from start to finish, including all stages of project identification, stakeholder engagement, project management, and closeout.

Committees Governance & Merchant Risk Policies:

Oversee the Merchant Risk Policy Framework within its scope of responsibility Contribute to the development and maintenance of the overarching merchant risk policies Control the effective implementation by the 1st Line of Defence (Operational team)



of the overarching merchant risk policies Control the proper escalation to approval authorities for underwriting and acceptance decisions when required

Risk Appetite & Strategy:

Contribute to the development and update of the Merchant Risk Appetite Statement Monitor and manage the KRI defined in the company and reporting to the Board and Management

Methodologies & Risk analytics:

Contribute to the development of a Joint Merchant Risk Scorecard to improve the efficiency of risk assessment during the on-boarding and on-going due diligence processes Take ownership of special projects/studies deemed necessary to manage and increase understanding of risk issues

Risk identification & Measurement:

Contribute to the definition of merchant risk monitoring standards and KPIs & KRIs at portfolio level Contribute to the definition of collateral/reserves requirements

Reporting, Monitoring & Control:

Contribute to the development of merchant risk steering and portfolio view Ensure that recurring and ad-hoc merchant risk reports meet quality standards and align in a timely manner with management needs Implement and perform controls and validations of the merchant risk process to ensure a high standard is met within the Underwriting & Risk Monitoring team and the first line of defense in general regarding risk assessment and monitoring

Risk Data Analyst Management:





Contribute to the documentation of the business requirements provided to IT solutions & project teams for the development of risk reporting & analytics solutions Contribute to the design, the implementation and the maintenance of the Risk Data Management solution that fully supports risk data aggregation capabilities, sound risk reporting & modelling practices and adequate risk monitoring Participatenad coordinate data management initiatives regarding risk data (data quality, data governance, etc.).

Management & Relations with key stakeholders:

Collaborate with the risk analytics experts to prepare reports that facilitate better understanding of risk Build trusted internal relationships with sales and account managers and help them understand the risks in their portfolios Ensure close collaboration with risk experts from 1st Line of Defence (Operational team) as well as with AML & Compliance officers when developing merchant risk policies and risk management tools & methodologies Support 1st Line of Defence (Operational team) in the provision to staff of guidance and training on merchant risk policies and standards Build and maintain an excellent knowledge of products, services and market characteristics Keep up to date with regulatory requirements Managing Security Internal controls : nature, scope, techniques of Security Internal Control System, control types ) Reporting and monitoring : define KPI, Board reporting,



Internal Committee Reporting Define and managing Security Governance Framework (data classification, access control, policy formulation, incident response and compliance with legal and regulator standards. Carry out assessment, define gaps and managing action regarding regulatory law (DORA, EBA, etc).

Who Are We Looking For:

We look for big thinkers. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

Minimum 6 years’ experience gained in Merchant Risk Analysis (Acquiring Risk, onboarding process, Reporting, ) or fraud detection Work experience in the payment services or banking industry a plus Excellent communication skills for interacting effectively with senior management, business lines, other risk management functions and external stakeholders Ability to work with operations teams to identify and assess the level of risk the organization is taking on and to propose actions to mitigate risks Takes personal ownership; self-starter; ability to drive projects with minimal guidance and focus on high impact work Tenacity, agility and an ability to prioritize work in a fast-paced Strong skills in PowerPoint, Word and Excel Learns continuously; seeks out knowledge, ideas and feedback Higher university degree in a relevant field (Economics, Finance, Financial Risk Management, Business or similar)



Solid project management and planning skills to lead and deliver change Fluent English required (at least B2.3)

Perks & Benefits

At Worldline you’ll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that, you will also:

Be part of a company guided by a strong purpose to do good and recognized as top 1% of the most sustainable companies in all sectors worldwide. Work with inspiring colleagues and be empowered to learn, grow and accelerate your career. Work in an international environment with cutting edge technologies. Enjoy a wide range of benefits: medical insurance, pension found, tickets restaurant, company bonus

Shape the evolution

We are on an exciting journey towards the next frontiers of payments technology, and we look for big thinkers, people with passion, can-do attitude and a hunger to learn and grow. Here you’ll work with ambitious colleagues from around the world, take on unique challenges as a team, and make a real impact on the society. With an empowering culture, strong technology and extensive training opportunities, we help you accelerate your career - wherever you decide to go. Join our global team of 18,000 innovators and shape a tomorrow that is yours to own.

Learn more about life at Worldline at careers.Worldline.Com

We are proud to be an Equal Opportunity employer.



We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or any applicable legally protected characteristics.