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.
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 ev

📌 Risk Manager (Barcelona)
🏢 MONEI
📍 Barcelona