Our partner is looking for a Risk & Compliance Specialist – Payment based in Spain. In this role, you will take ownership of payment risk and compliance across a growing portfolio of subscription-based SaaS products and international markets. Working at the intersection of payments, data, legal, and product teams, you will help prevent fraud, manage disputes, and maintain compliance with card network and payment service provider requirements. Your decisions will directly influence transaction security, customer conversion, and business revenue. The position offers full-time permanent or freelance options, with fully remote work across Europe or a hybrid arrangement in Lausanne. Own and optimize anti-fraud tools and rules across payment service providers (PSPs), adapting controls to different products, markets, and customer segments. Address free-trial and subscription fraud, including friendly fraud, and define market-specific 3D Secure (3DS) strategies while balancing risk reduction with conversion.
- Manage chargeback prevention and alert processes, monitor deflection rates by merchant ID (MID), and oversee PayPal disputes and country-specific thresholds. Investigate dispute drivers and coordinate improvements to billing descriptors, customer journeys, and communications.
- Card network and PSP compliance: Keep merchant accounts within Visa, Mastercard, and PayPal monitoring thresholds. Ensure compliance with network rules covering payment retries, billing descriptors,



and customer-initiated and merchant-initiated transactions (CIT/MIT).
- Represent the business in risk reviews with payment providers, manage reserve-related discussions, and proactively prevent account freezes, processing caps, and other restrictions.
- Subscription and checkout compliance: Work with legal teams to define compliant European and US checkout standards covering pricing transparency, consent, renewals, and cancellation. Validate subscription journeys before launch and monitor applicable legal and card network requirements.
- Track regulatory and payment network developments across existing and target markets.
- Maintain risk dashboards, establish alert-triggered playbooks, analyze payment performance data, and present evidence-based recommendations with clear trade-offs. AI-driven monitoring: Build, deploy, and monitor AI agents to automate recurring tasks related to dispute monitoring, compliance checks, and regulatory or network-rule updates.
- Partner with payment operations, partnerships, data, legal, and product teams to ensure that risk controls support secure, compliant, and commercially effective payment experiences. Ideally five years of experience in payment risk, although strong junior candidates and more experienced professionals will also be considered. Experience in subscription SaaS, e-commerce, a PSP, fintech, a card network, or a payment scheme is relevant.

📌 Risk & Compliance Specialist - Paiement (España)
🏢 Jobgether
📍 España