Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow.
At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they choose to shop. We are a team of over 750 experts from 50+ different nationalities, dedicated to creating a state-of-the-art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience.
Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference.
Our offices: We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.
ABOUT THE TEAM
The Merchant Onboarding Manager is responsible for delivering a seamless, compliant, and customer-centric onboarding experience for both prospective and existing merchants throughout onboarding and ongoing lifecycle due diligence activities. The role ensures that merchants are onboarded efficiently while meeting all regulatory, compliance, and internal policy requirements.
Manage assigned end-to-end onboarding cases for new and existing merchants across all supported payment products using the relevant onboarding systems.
Perform merchant risk assessments and KYC/KYB/AML due diligence, including Sanctions-, PEP-, and Adverse Media screening, in accordance with internal and regulatory requirements.
Execute Ongoing Due Diligence (ODD), periodic reviews, trigger event reviews and remediation activities for existing merchants throughout the customer lifecycle.
Review and validate customer documentation, corporate ownership structures, Ultimate Beneficial Owners (UBOs), authorized signatories, contractual documentation and supporting evidence to ensure completeness and regulatory compliance.
Monitor onboarding cases, identify missing information and proactively coordinate with merchants and internal stakeholders to drive cases to completion.
Escalate complex or high-risk cases to Compliance, Risk or other relevant stakeholders where appropriate.
Facilitate technical and billing onboarding by executing required activities and/or ensuring complete and accurate handover to the relevant downstream teams.
Ensure assigned cases are completed accurately, within agreed SLAs, and in accordance with regulatory requirements and internal quality standards.
Apply new regulatory and internal policy requirements as processes evolve.
Maintain accurate documentation and case records in the relevant systems.
Identify opportunities to improve operational efficiency and contribute ideas for process improvements within the team.
1–3 years of experience in merchant onboarding, KYC/KYB, AML/CFT, or financial services.
Understanding of payment products and merchant acquiring processes.
Good understanding of AML/CFT legislation, KYC/KYB/ODD requirements, including Sanctions-, PEP, and Adverse Media screening.
Ability to analyse corporate structures, ownership chains and contractual documentation.
Experience working with CRM and onboarding platforms (e.g., MS Dynamics, Console, or equivalent).
Strong analytical and problem-solving skills.
Excellent communication skills with both customers and internal stakeholders.
High attention to detail and documentation quality.
Proficiency in Microsoft Office applications.
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