Responsibilities: 

Day-to-day operations of onboarding, ensuring that the company reviews and assesses merchant and partner applications in line with the Company’s Customer acceptance Policy and Procedures; Manage and take ownership of day to day underwriting escalations from the team, daily priorities on the onboarding dashboard and allocate workloads across the team. Manage changing priorities effectively throughout the day Ensure we are compliant with all third-party authorities which provide us licenses to carry out our business. These would include Visa, MasterCard and the MFSA. Ensuring the company acts in accordance with current EU and local AML legislation, namely the Financial Intelligence Analysis Unit's (FIAU) Implementing Procedures, PMLFTR and the PMLA. Monitor, audit and ensure all officers are following the correct processes and procedures. Ensuring that service-level agreements (SLA) are met; Identify process improvement opportunities to improve overall efficiency and ensure a consistent customer experience. Manage system updates, process changes and development needs with internal teams and key individuals. Manage the individual needs and development requirements of the team members working within the underwriting function. Ensure effective training is carried out and regular updates are provided along with any process changes. Assess the growing changes and requirements of the team and raise any needs and resources to ensure the business is supported as is required from the onboarding function. Understand and manage the costs associated within the onboarding process, including vendor costs and spend on company documents. Support the checking and Approving payments within our Core Banking System Escalate with the company’s governance structure, as appropriate, any identified GAPs, deficiencies, or requirements to ensure compliance with internal and regulatory requirements and policies. Flexibility and commitment outside of an 8 till 5 working period. Managing Risk and underwriting process/training presentations when required during internal trainings, Shift4 customer trainings/ reviews or audits.

Requirements:

Experience and Skills

Minimum 5 years of experience in onboarding, underwriting, or compliance-related roles. Strong leadership and team management skills, with experience in delegating and prioritizing tasks. Deep understanding of onboarding processes within financial or payment institutions. Strong analytical skills to assess merchant and partner applications and address escalations effectively. Proven ability to manage compliance with Visa, MasterCard, and local regulatory authorities.

Knowledge and Qualifications

In-depth knowledge of AML legislation, including FIAU’s Implementing Procedures, PMLFTR, and PMLA. Familiarity with EU and local financial regulatory frameworks. Bachelor’s degree in Business, Finance, Compliance, or a related field; relevant certifications (e.g., CAMS) are a plus. Proficiency in using Core Banking Systems and other onboarding-related tools. Experience in identifying process improvement opportunities and managing system updates.