Hi! We're on the lookout for an experienced Underwriter & Onboarding Manager (Cards) to join Noda, a licensed UK Payment Institution and the brains behind an innovative Open Banking payments platform. If you're fueled by fintech excitement and seek a global career journey, keep reading!

What is Noda?

Noda is reshaping online payments, allowing seamless transactions from customers to merchants' bank accounts. With a footprint in the UK, EU, Canada, and Australia (Singapore up next!), we're seeking a talented Underwriter & Onboarding Manager (Cards) to be part of our dynamic team. 

Your mission:

As a member of our small yet dynamic Acquiring team, you will play a crucial role in driving our new card processing products forward. You'll act at the intersection of several key responsibilities.

Merchant onboarding

• Conduct detailed due diligence (CDD/EDD) and risk assessments for merchants and partners applying to card programs.
• Evaluate and verify KYC documentation, business models, ownership structures, and regulatory standing.
• Ensure all onboarding activities comply with card scheme rules (Visa, Mastercard) and internal policies.

Compliance and regulatory oversight

• Interpret and apply applicable regulations, including AML/CTF, PSD2, PCI DSS, and GDPR.
• Act as a subject matter expert on card-related compliance issues, offering guidance across departments.
• Stay updated on card scheme changes and regulatory developments, and ensure internal policies reflect them.

Cross-functional collaboration

• Work closely with Sales, Legal, Risk, Operations, and Product teams to enable smooth and compliant merchant activation.
• Act as a compliance point of contact during the commercial assessment of new merchants or business models.
• Support BDMs by providing training and guidance on card compliance criteria and onboarding prerequisites.

Risk management

• Support the implementation of transaction monitoring rules for card-related activity.
• Assist in chargeback risk prevention efforts, including support with rolling reserve monitoring.
• Assist in flagging, escalating, and resolving suspicious or non-compliant activity.
• Assist in merchant pre-check.

Documentation and audit support

• Maintain accurate and complete records of all onboarding and compliance reviews.
• Prepare documentation and reports for internal audits, regulatory inspections, or scheme reviews.

Process improvement and reporting

• Identify and implement improvements to the onboarding and compliance workflows.
• Help define and track KPIs related to onboarding efficiency, compliance accuracy, and risk mitigation.
• Create reports and dashboards to visualize onboarding trends, risks, and bottlenecks.

Training and enablement

• Develop internal documentation and training materials to support knowledge transfer on card compliance topics.
• Deliver training sessions to new hires or commercial teams on card scheme requirements, onboarding procedures, and risk red flags.

Your skills and experience:

• 3+ years in the payments industry, with a heavy focus on card processing 
• Experience managing a portfolio of 200+ merchants over the course of your career
• In-depth knowledge of acquiring business, card scheme rules, AML/CTF regulations, and data protection standards
• Independence in task management
• Proactivity in resolving arising issues
• Excellent communication, stakeholder management
• Strong skills in English and Russian (both written and spoken, min. level B2+)
• Bachelor’s degree in Legal, Business Management or equivalent would be an advantage

What do we offer?

• 100% Remote. Work from anywhere. Let the world be your office - work from one of our headquarters, or remotely. We span borders and continents, and promote the nomad lifestyle - it’s up to you to decide
• Employee Learning and Development. Professional growth. We encourage our employees to constantly develop and grow within his/her field of expertise by covering the training and education fees.
• Team buildings. Doesn’t matter where you work from - we’ll find a way to get the Team together. Take a part in a range of online and offline activities, as dinners, hikes, bike/cart ridings, karaoke nights, boat-trips, etc.
• Tech. We provide or compensate all necessary hardware.
• 7 wellness days. Take the opportunity to get a perfect work/life balance - stop for a while, take a rest, and enjoy life to the fullest.
• Non-toxic environment. We love what we do, we are proud to be #nodapeople and we are working together to achieve Noda goals!

What happens once you apply:

• Your CV will undergo careful review, and we'll quickly update you on the next step in our recruitment journey.
• Get ready for an easy-going introduction call with our recruiter, where you'll delve into the heart of our company, product, and team dynamics, while sharing your own experiences and aspirations.
• Should the vibe match and your expectations align, up next will be an engaging interview with our СBDO (Cards).
• And if everything clicks, anticipate a thrilling job offer landing in your inbox soon!

We do our best to close interview rounds within 3 weeks, although sometimes it might take slightly longer. Send your application our way, we look forward to meeting you!