About MONEI

MONEI Digital Payments, S.L. is a Bank of Spain authorized Payment Institution and the only native Bizum acquirer in Europe. We process payments for thousands of online and physical merchants across Spain and Andorra, with €228M in transaction volume in 2025 and a target of €1B for 2026. We are a direct Servired member, SWIFT member (BIC MONIES2M), PCI DSS Level 1 and ISO 27001 certified, and active participants in the European Central Bank’s Digital Euro pilot.

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About the role

We are looking for a Risk Manager who combines a strong legal background with a deeply technical and strategic view of the payments business. This is not a defensive compliance role : it is a critical function making daily decisions that directly impact MONEI’s financial, regulatory, and reputational exposure — and our ability to keep growing at double-digit rates.

The Risk Manager is the last line of defense before a merchant goes live on our platform. Their judgment determines which businesses can operate with MONEI, under what conditions, and with what additional safeguards: rolling reserves, transaction limits, enhanced KYC/KYB, real-time monitoring, guarantees, or specific contractual clauses.

In a market where most competitors apply binary policies (accept/reject), we want someone with the flexibility and judgment to design tailored risk architectures that protect MONEI without slowing growth. Saying “no” is easy; saying “yes, but here’s how” is what makes the difference.

What you’ll do

- Merchant onboarding decisions. Evaluate applications by analyzing vertical, business model, history, corporate structure, ultimate beneficial owners (UBOs), exposure to chargebacks, fraud, and regulatory risk.

- Design of mitigating measures. When a merchant presents elevated risk but commercial appeal, design packages of measures (reserves, guarantees, restrictive MCCs, enhanced monitoring, specific contracts) that allow safe operation.





- Risk policies and decision matrices. Maintain and evolve internal merchant acceptance policies, aligned with scheme rules (Visa, Mastercard, Discover, Bizum, SEPA), Servired requirements, and Bank of Spain regulations.

- Continuous portfolio monitoring. Review active merchants for behavioral changes: chargeback spikes, business model shifts, brand alerts, sanctions, adverse news flow.

- Coordination with AML/Compliance. Work side‑by‑side with the AML team to ensure consistency between KYC/KYB and merchant acceptance.

- Scheme and network interlocution. Manage Match/MATCH listings, brand protection programs (VAMP/VIRP, BRAM, Discover’s risk programs), regulatory reporting, and audits.

- Structural fraud detection. Identify patterns, escalation cases, and propose systemic changes in product, contracts, or tooling.

- Strategic partner to commercial. Be an ally to the sales team — not a blocker. Explain the “why” behind every decision and propose viable alternatives.

What we’re looking for Must-have

- Legal education (Law degree), ideally with specialization in Commercial, Banking, or Financial Regulatory Law.

- 4+ years of experience in risk management, compliance, or legal roles at payment institutions, banks, EMIs, PSPs, acquirers, or specialized payments consulting.

- Deep knowledge of applicable regulations: PSD2/PSD3, AMLD/AMLR, MiCA, GDPR, Bank of Spain regulations, and scheme rules (Visa Core Rules, Mastercard Rules, Discover Operating Regulations, Bizum operating rules).

- Technical product mindset: ability to understand payment flows, API integrations, tokenization, 3DS, and digital business models (SaaS, marketplaces,



subscriptions, BNPL, crypto, agentic commerce).

- Strategic, systemic thinking: not running checklists, but designing solutions.

- Professional Spanish and English (C1+).

Nice to have
- Experience evaluating high‑risk verticals: gaming, crypto, adult, nutraceuticals, travel, ticketing, info‑products, dropshipping.

- Operational knowledge of brand programs: VAMP/VIRP (Visa), BRAM and Excessive Chargeback Program (Mastercard), Discover risk monitoring programs.

- Experience with fraud scoring, device fingerprinting, and transaction monitoring tools.

- Familiarity with SQL or comfort working with dashboards (you don’t need to be an engineer, but you do need to know how to ask the right questions of the data).

- Previous experience at a regulated scale‑up.

How we work

MONEI is an AI‑first company. We expect you to use Claude, Cursor, and equivalent tools to automate your work, generate analysis, and scale your impact: AI‑assistant due diligence, policy drafting, merchant scoring, automated alerts. Anyone not using AI today in a risk function is operating at a disadvantage.

The Legal & Compliance team works very closely with product, engineering, and commercial. You won’t be in an ivory tower: every decision you make will have measurable operational impact. The people who thrive at MONEI are fast, direct, systemic, and prefer honest pushback over validation.

What we offer

- Competitive salary.

- Hybrid work (offices in Barcelona and Málaga).

- Top‑tier stack (Claude Max, Cursor, internal risk tooling).

- Direct visibility to CEO and head of legal.

- A real opportunity to shape the risk function of the only Spanish Payment Institution with a Bank of Spain license growing at this pace .

How to apply

Send your CV and a short note (max. xqbhyrx 1 page) describing a real anonymized case of a complex merchant you have evaluated: what you found, what you decided, what measures you applied, and what happened next.

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📌 Risk Manager (Legal & Compliance) (Barcelona)
🏢 MONEI
📍 Barcelona