As an Onboarding Specialist, you will play an important role in supporting how merchants join xpate’s ecosystem. You will help ensure that onboarding journeys are compliant, efficient, and aligned with scheme and regulatory expectations.
You will combine analytical skills, risk awareness, and sound judgment to assess merchants, support onboarding decisions, and contribute to the ongoing improvement of onboarding processes.
Your work will support xpate’s growth by enabling safe, scalable customer acquisition and helping maintain the integrity of our payments environment.
Onboarding Specialist
United Kingdom, Riga
Full-time
Permanent employee
Your role at xpate:
Onboarding Execution
- Execute the full cycle of merchant onboarding and due diligence under established frameworks.
- Perform KYB/KYC/AML checks in line with internal procedures, regulatory requirements, and scheme rules.
- Conduct underwriting assessments, including document reviews, basic financial analysis, website checks, and risk scoring.
- Support adherence to internal SLAs for onboarding cycle time.
- Escalate complex or higher-risk cases to senior team members or the Onboarding Lead with clear recommendations.
Compliance & Scheme Alignment
- Review customers’ documents, websites, products, and services for compliance with Visa and Mastercard requirements.
- Apply scheme rules and internal risk policies in day-to-day onboarding assessments.
- Support the implementation of risk mitigation measures in collaboration with fraud prevention and transaction monitoring teams.
Process & Improvement
- Support the Onboarding Lead and senior team members in rolling out updated onboarding processes and frameworks.
- Contribute to the maintenance of SOPs, checklists, and internal guidelines.
- Identify process inefficiencies or gaps and raise improvement suggestions.
- Assist with maintaining risk settings such as open/blocked countries and MCC policies.
Team Contribution
- Share knowledge and best practices with peers to promote consistent onboarding decisions.
- Participate in training sessions related to AML/CTF, underwriting, and scheme requirements.
- Contribute to onboarding metrics and risk insights through accurate documentation and reporting.
We’re ready to meet you, if…
- 1–3 years of experience in merchant onboarding, underwriting, AML/CTF, risk assessment, or compliance within payments, fintech, banks, or PSPs.
- Hands-on experience with KYB/KYC verification, due diligence, and AML risk assessment.
- Working knowledge of Visa and Mastercard scheme rules, including high-risk MCCs, prohibited or restricted categories, and document standards.
- Experience reviewing financial information, identifying risk indicators, and supporting enhanced due diligence for higher-risk merchants.
- Familiarity with fraud trends and transaction monitoring concepts in e-commerce and card-not-present environments.
What working at xpate looks like:
- A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker.
- Enjoy flexible working hours, hybrid work options, private health insurance and generous paid time off giving you the balance you need to perform at your best.
- Apple hardware and modern work tools to support your workflow.
- Extra personal time off for rest and recharge:12 additional days per year, plus your birthday off.
- Private health insurance and wellness benefits.
- Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem.
Why join xpate?
We’re building the financial backbone of the future — where payments move freely and businesses grow without barriers. If you want real impact, freedom to innovate, and work that drives change, xpate is the place for you.
About us
xpate’s story
xpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.