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.
fraud tools and rules across payment service providers (PSPs), adapting controls to different products, markets, and customer segments. 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?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?Represent the business in risk reviews with payment providers, manage reserve?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.
triggered playbooks, analyze payment performance data, and present evidence?AI?driven monitoring:
Build, deploy, and monitor AI agents to automate recurring tasks related to dispute monitoring, compliance checks, and regulatory or network?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.
Practical knowledge of US card network rules, chargeback management, and state?Hands?on experience handling payment disputes and PayPal risk processes.
Card network compliance:
Strong knowledge of Visa and Mastercard monitoring programs, thresholds, and compliance requirements.




Comfortable working with payment data, KPI dashboards, reporting tools, and native PSP reports to identify trends and make informed decisions.
Rigorous approach to procedures, change logs, compliance records, and PSP documentation.
Experience building or monitoring AI agents is an advantage, as is an interest in automating recurring risk and compliance activities.
Fluent French is essential, as it is the primary business language. Strong English is also required, with at least B2 proficiency and the ability to communicate regularly with international PSPs and card networks.
Flexible contract options:
Full?time permanent employment or freelance arrangements.
Remote?Work remotely from anywhere in Europe, with the option of a hybrid arrangement in Lausanne.
Versátil working hours:
International remote work:
Opportunity to work remotely from a different time zone for up to one month.
Equipment budget:
wide seminars each year, in spring and autumn.
Lausanne office perks:
Modern offices, access to sports facilities, parking, and a contribution toward commuting costs for employees choosing the hybrid option.
Professional development:
Opportunities to learn, grow, take ownership of new initiatives, and influence the development of the business.
Opportunities to apply AI and automation to everyday risk monitoring and compliance workflows.
Join an ambitious, international team that values performance, accountability, integrity, continuous learning, and practical problem?

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