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ABOUT

THE COMPANY
GUAVAPAY is an innovator of the latest payment’s technology designed for your comfort. GUAVAPAY handles all your payment services requirements, and enables seamless payments with just ONE click!

The unique patented technology created by GUAVAPAY ensures that you’ll receive an unrivaled service experience.

OUR MISSION

In GUAVAPAY we aim to empower our customers to be free from all limitations and borders. We want to unite millions of people and businesses all over the world and provide them with the opportunity to transfer money at a fast pace while saving time. It’s essential our customers are equipped with the necessary instrument to develop their businesses and depend on innovative payment services.

  • 10+
    years
    Experience in financial and business spheres
  • 100+
    countries
    Our partnership network covers many countries
  • 10000+
    transactions
    Transactions taken daily for the benefit of our clients.
  • 100000+
    service points
    Our clients can deliver or receive funds in many service points.

We develop innovative solutions for people around the world

THE CREATORS

of your financial freedom

  • Orkhan Nasibov
    Director and Shareholder
  • Matteo Dessi
    Director, Business development
  • Forhad Ahmed
    Director, Compliance

JOIN THE TEAM

Card Scheme Manager

About the job

We’re looking for an excellent Card Scheme Compliance Manager to build the scheme rules program at Guavapay. You will be the first member of staff in this area and will have the opportunity to make a significant mark on the company’s progress in the industry. You will have deep industry knowledge and experience as well as the interpersonal skills to work with various teams in ensuring the rules are implemented swiftly and in a timely manner.


What qualifications we're looking for

  • Understanding Visa/Mastercard and Union Pay scheme rules and regulations, bulletins and changes, translating them into understandable requirements ready to be implemented by the relevant personnel. 
  • Regularly communicating with the business to understand scheme requirements to new products and supporting their implementation.
  • Understanding compliance requirements that arise from third-parties, including advising on any changes to our policies, procedures, and controls through validation and implementation
  • Working closely with the product teams to build a product that delivers a great user experience whilst also ensuring we meet scheme requirements and deliver good outcomes for customers/markets
  • Ensuring risk management processes for payment services products are robust and occur in a timely manner Identifying regulatory challenges and changes relating to payment services products to ensure these are addressed/implemented in good time
  • Liaising with key internal (e.g. Legal, Risk, MLRO etc) and external (e.g. Regulators, advisors, vendors, partners, etc) stakeholders as required
  • Developing and managing the scheme compliance monitoring plan
  • Producing scheme report to the BoD and update them regularly
  •  
  • Essential Skills
  •  Background and experience of issuing, with a technical understanding of card schemes in the payments and/or financial services space
  •  Knowledge of interconnecting regulations, such as the Interchange Fee Regulations.
  •  Strong communication and relationship building skills
  •  Capacity to work under pressure and tight deadlines
  • Production of reports and presentations for Senior Management consumption, as and when required
  • Technical knowledge and strong experience of managing card scheme rules from identification all the way to implementation
  • Experience in conducting gap analysis as and when required to ensure Guavapay is always above board  
  • Knowledge of UK payment schemes, i.e. Faster Payments, BACS, and the associative operating and regulatory bodies (for example, Pay, UK, Payments System Regulator) 
  • • Knowledge and experience of the regulatory requirements relating to payment services (PSRs, EMRs, PARs, PSD2, Open Banking) 
  • • 4+ years compliance experience - ideally in the payments space
  • • Knowledge of the payments space and all key players including issuers, acquirers, merchants, and networks.
  •  Desirable
  • Experience in acquiring
  • Fluent in Russian
  • We are looking for a proactive and driven individual who thrives in a fast-paced environment. We would like you to have a can-do attitude and be able to get involved in other areas of the business if required. A kind and compassionate person who can make card scheme management look like a walk in the park would be fantastic!!
  •  

  • Benefits you get

  • You will have the ability to grow fast and develop yourself as you see fit. You will have the opportunity to create a legacy and be the card scheme pioneer at a unique payments service business. In addition, we offer the following:
  • Competitive salary
  • All the latest tech you need
  • Working flexibility
  • APPLY
    KYC Analyst

    About the job

    Guavapay is launching several products this year and is looking for a highly experienced KYC and onboarding Analyst to manage its onboarding processes to ensure a seamless and customer-friendly onboarding process. In particular, the KYC Manager will be responsible for the following:


    What qualifications we're looking for

  • Manage and update the current KYC processes to ensure Guavapay remains fully compliant 
  • Undertake Client Onboarding as required and assist in keeping the KYC policy updated
  • Draft ongoing monitoring processes to ensure low, medium, and high-risk clients are reviewed accordingly.
  • Conduct PEP, Sanction and negative news searches as part of a comprehensive KYB process
  • Be able to conduct KYC of clients accessing various services and risk categories
  •  Essential Requirements:
  • AML / KYC / CDD experience in Client Onboarding, Periodic Reviews or Remediation projects
  • Good technical understanding of the UK and International KYC/AML rules and regulations
  • Experience in conducting KYC and KYB of low, medium, and high-risk clients
  • - strong experience in conducting KYC of both regulated and unregulated entities 
  • - strong experience of carrying out simple, customer and enhanced due diligence
  • - strong experience in identifying direct and indirect UBOs
  • Hardworking, enthusiastic with a good teamwork ethic
  • Ability to use their initiative, work with autonomy with the support of their Team Manager
  • Must possess good communication skills with the ability to interact confidently with Frontline
  • Ability to adapt to different situations and a quick learner
  • Desirable:
  • Relevant professional qualification (desirable but not essential)
  • Russian-speaking is desirable but not essential
  •  

  • Benefits you get

  • Competitive salary
  • Generous annual leave
  • Flexible working
  •  The successful candidate will get the opportunity to grow with the company and take on more leadership responsibilities.
  • APPLY
    Chargeback and Fraud Manager

    About the job

    Guavapay has worked tirelessly to acquire its principal memberships from Visa and Mastercard and now we are ready to launch some exciting products and services in the payment services space. With opportunity comes adversity, and in the world of payments compliance, adversity usually means fraud of various nature. Hence, we are looking for an amazing fraud Manager who has strong experience in dealing with chargebacks and dispute management.


    What qualifications we're looking for

  • What You Will Do
  • Work with the Compliance lead to develop and implement chargeback policies, procedures
  • Work closely with the Head of Compliance, providing insights and updates through in-depth analysis
  • Be the first point of contact for anything related to disputes and chargebacks
  • Upskill relevant teams on the Disputes and Chargebacks process and Guavapay's requirements to improve recovery rates
  • Assist in developing Guavapay's broader risk mitigation strategy
  • Architecting and leading the overall scope of our fraud program
  • Reviewing the fraud risk of incoming transactions using third-party software tools in order to minimize fraud-related losses
  • Investigating and resolving critical queries escalated by the support team
  • Analyzing fraudsters profiles and the type of fraud we are experiencing (synthetic, mules, etc)
  • Monitoring fraud risks on an ongoing basis to enhance our controls to minimise fraud risk and financial losses
  • Working with external partners to improve our acquiring fraud solution (i.e. data providers, external transaction monitoring solutions and on-boarding partners)
  • Ensuring acquiring fraud and reputational risk levels are not surpassed (meeting KPIs & KRIs) and managing stakeholders
  • Contributing to creating specific procedures for acquiring fraud, i.e. building documentation and training for our Compliance team.
  • Ensuring acquiring fraud and reputational risk levels are not surpassed (meeting KPIs & KRIs) and managing stakeholders.
  • Essential
  • Strong experience in chargeback resolution, disputes, and fraud from a fintech/ payments business
  • Experience in dealing with acquiring fraud and cross border payments
  • An up to date understanding and awareness of the dispute resolution process and card scheme guidelines
  • An ability to communicate clearly with stakeholders and explain your knowledge in simple terms
  • Excellent relationship-building skills; able to collaborate effectively with cross-functional team members within the business
  • Experience in building a fraud program designed to ensure the company is always protected
  • Proactive nature with the drive and initiative to above and beyond if necessary
  • Strong experience in developing KPI reports in line with industry requirements for the benefit of Senior Management
  • Strong experience in Transaction Monitoring
  • Take ownership of AML & fraud investigations for online transactions that require further checks
  • Provide input and feedback towards system and processes improvements
  • Grant operational internal & external support


  • Benefits you get

  • Competitive salary
  • Flexible working
  • Generous annual leave
  • APPLY
    Data Analyst

    About the job

    We are looking for passionate and enthusiastic people, who are ready to go above and beyond for the position of a Customer Support Manager. Your responsibility will be to provide our clients with information regarding our services and products.


    What qualifications we're looking for

  • Excellent communication skills.
  • Advanced written and spoken English.
  • Experience working with native speakers is a plus.
  • A desire to learn and develop.

  • Benefits you get

  • Competitive salary and comfortable work place.
  • Personal performance bonuses.
  • Friendly, professional and ambitious team of professionals.
  • Opportunity to build a career and gain an experience that will serve you in a long-term perspective.
  • APPLY

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