Merchant Acquiring Risk Lead

Hello! We're Teya.

Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance.

At Teya we believe small, local businesses are the lifeblood of our communities.

We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street.

We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters.

We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us.

Become a part of our story.

We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

Your Mission

As a Merchant Acquiring Risk Lead within in our second line Risk Management Function you will be in a hands-on role focussing on helping first line teams understand and manage their Merchant Acquiring product specific risks, monitoring portfolios, doing risk reviews and deep dives, supporting with oversight and advice, all focused on Teya’s merchant acquiring product loss prevention, including delayed delivery, fraud loss and credit exposure.

Key areas to focus:

• Provide subject matter expertise on Merchant Acquiring loss prevention, including from Delayed Delivery, Fraud, and advice on merchant underwriting.

• Build and monitor relevant merchant loss risk metrics. You will aid in defining, building, maintaining, and monitoring key metrics, and help set targets for improvements of such key indicators.

• Build and monitor both global, regional and customer specific strategies to minimise loss from fraud, chargeback, refunds, insolvency, etc., supporting the identification of key investments, needed with stakeholders such as Product, Data, Engineering.

• Support the development of merchant underwriting and onboarding procedures for enhanced identification of higher risk merchants and ongoing improvement of ongoing monitoring and continued risk assessments of merchants.

• Support the CRO and the Risk team in other activities and responsibilities as needed.

Your Story

• Extensive background working in the merchant acquiring industry within risk, second line oversight, fraud, underwriting and similar.

• Have experience assessing and developing controls to minimise and mitigate against loss from the risks arising from merchant acquiring.

• Background of assessing controls and suggesting new rules or mechanisms to reduce fraud losses.

• Be a subject matter expert in Merchant Acquiring loss prevention and risk mitigation within the UK and or EU, such as from chargebacks, delayed delivery, fraud loss and credit exposure.

• You are highly organized and unafraid to challenge and motivate yourself and others with strong collaboration, communication, and relationship building skills.

• A strong sense of ownership, resilience, and drive to make an impact.

• You are familiar with using SQL to extract and analyse data, and or other data warehouse tools, and or risk management tools.

• The ability to execute on and deliver complex operational tasks under stressed conditions using excellent written and verbal communication skills.

The Perks

• We trust you, so we offer flexible working hours, as long it suits both you and your team

• Physical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness and nutrition apps

• Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support

• Cycle-to-Work Scheme

• Health and Life Insurance

• Pension Scheme

• 25 days of Annual Leave (+ Bank Holidays)

• Office snacks every day

• Friendly, comfortable and informal office environment in Central London

Teya is proud to be an equal opportunity employer.

We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.

If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.