ABOUT

THE COMPANY

GUAVAPAY is an innovator of the latest payments technology designed with you in mind. GUAVAPAY will take care of all your banking needs and enable seamless payments with just one click.

The unique patented technology developed by GUAVAPAY will ensure that you receive unrivalled service experience.

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OUR MISSION

In GUAVAPAY we want to empower our customers to be free – free from all the limitations and borders. We want to unite millions of people and businesses all over the world and give them the opportunity to transfer money quickly and effortlessly. We want to give our customers the instruments to develop their businesses, enjoying reliable and innovative banking services. With our unique technologies and powerful solutions GUAVAPAY delivers a set of services to meet the needs of our most demanding customers.

One banking system – endless opportunities

10+

years

Of experience in financial and business spheres
100+

countries

Our partnership network covers many countries
10000+

transactions

We make transactions everyday for the benefit of our clients.
100000+

service points

Our clients can send or get 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

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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.

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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

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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.

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What's new

Payment Processor and how it can benefit your business?

The advent of COVID-19 accelerated the transition to cashless payments, making credit card payments the norm in the payment industry today. Since the rise in digital payments and the use of cash slows down, businesses are left with nothing but to move with the times and partner up with a payment processor so they can accept digital payments and not get left behind.

Fintech-Financial Institutions collaboration unlocks endless opportunities

Fintech-Financial Institutions' alliance is one of the basic elements of the future financial sector. Read the article on how the collaboration of fintech and Financial Institutions deliver transformational value for both sides and increase their potential for success.

API: unlocking endless payment opportunities

Having revolutionized the traditional banking sphere, API is the mere example of how simplicity meets disruption and penetrates into the whole industry by means of more agile and convenient tools to meet customer requirements and enable value for clients. Guavapay API allows our partners to easily connect to Guavapay’s platform and instantly gain access to cross-border payment capabilities worldwide, in more, than 200 countries.

ABOUT

OUR MISSION

THE CREATORS

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What's new

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