Overview Join to apply for the Underwriter role at Dojo . In less than four years, Dojo disrupted the market to become the largest and most loved acquirer in the UK. Our payments infrastructure, purpose-built for in-person commerce, is game changing.

As we continue our expansion into Europe, we are looking for someone as ambitious as we are to join our Madrid-based underwriting team focusing on the Spanish market to act as a shield between Dojo and any fraud, AML and credit risks we may face. you'll use your insight and understanding across both financial and relevant non-financial information to ensure they meet Dojo risk appetite. Working alongside a great team of fast and thorough decision-makers, you'll proactively engage with internal stakeholders and our clients to find solutions to best manage and mitigate our risk, while supporting the continued growth and expansion of Dojo.

What You Will Do Conduct thorough risk assessments tailored to each merchant and vertical, covering potential fraud, AML, and credit risks to ensure a holistic view of exposure. Perform comprehensive KYC (Know Your Customer) and KYB (Know Your Business) due diligence checks on all applicants, ensuring compliance with Spanish AML regulations and internal policies. Identify credit risk and exposure drivers specific to each vertical in the acquiring business, recognising how sector dynamics impact overall risk profiles.

Lead engagement with commercial teams to identify solutions that maximise onboarding opportunities, manage case escalations,



and deliver training while ensuring advocacy of the risk and underwriting function. Collaborate closely with the Legal team to negotiate and review bespoke contracts and security arrangements.

What You Will Bring Demonstrable knowledge in Spanish AML regulations, with the ability to assess and validate documentation across different legal entity types. A deep understanding of acquiring risks and the controls to mitigate them, alongside knowledge in card scheme rules and the chargeback process. Proven experience in a credit risk underwriting role within a financial institution, specifically applying financial analysis skills and with strong knowledge of the Spanish market.

Educated to a degree level or have equivalent experience within credit risk, underwriting, or a similar role within the financial services sector in the Spanish market. A customer-focused mindset, balancing risk management with commercial opportunities and client satisfaction. Business fluency in English and Spanish.

What You Will Bring (Additional) Demonstrable knowledge in Spanish AML regulations, with the ability to assess and validate documentation across different legal entity types. A deep understanding of acquiring risks and the controls to mitigate them,



alongside knowledge in card scheme rules and the chargeback process. Proven experience in a credit risk underwriting role within a financial institution, specifically applying financial analysis skills and with strong knowledge of the Spanish market.

Educated to a degree level or have equivalent experience within credit risk, underwriting, or a similar role within the financial services sector in the Spanish market. A customer-focused mindset, balancing risk management with commercial opportunities and client satisfaction. Business fluency in English and Spanish.

Dojo home and away We believe our best work happens when we collaborate in-person. These "together days" foster communication, drive innovation and spark our brightest ideas. That's why we have an office-first culture.

This means working from the office 4+ days per week. If you're keen to know the answer, you're a third of the way to meeting our Dojo values. Diversity, equity, and inclusion at Dojo From local bakeries to well-known eateries, Dojo payments serve over 150,000 places across the UK.

If you care about your work, you're curious, and you think customer-first, you have a place at Dojo. To make sure you're the best you can be throughout the recruitment process, let us know if you need any extra adjustments to help you thrive. Visit dojo.careers to find out more about our benefits and what it's like to work at Dojo, or check out our LinkedIn and Instagram pages.

Seniority level Mid-Senior level Employment type Full-time

📌 Financial Underwriter (Madrid)
🏢 Dojo
📍 Madrid