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Location: Belgrade, Remote Workplace: remote Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. Over 25 million users choose Tabby to stay in control of their spending and make the most out of their money. The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 70,000 global brands and small businesses, including Amazon, Noon, IKEA, and SHEIN use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores. Tabby generates over $18 billion in annual transaction volume for its partner brands and is the highest-rated, most-reviewed, largest, and fastest-growing FinTech in the GCC region. Tabby launched in 2019 and has since raised +$1 billion in equity and debt funding from global and regional investors, and is now valued at $6,5 billion. About the role We're looking for a Senior Product Designer to own the B2C customer journey inside the Tabby app. Different product teams build different products — Tabby Card, Tabby Cash, BNPL — and they often do it apart from each other. The experience is not always consistent or whole. Your mission is to look at the product the way one customer does, and make it feel like one ecosystem. The B2C Life Cycle team owns that journey. In practice, that means activation: onboarding, communicating the value of each product, activating financial products, and getting the customer to a first transaction. After that, you design how we keep explaining the value so people come back and keep transacting. You will also work on the subscription and help develop the Tabby+ model. Why join A rare brief: own how a customer experiences the whole app, not one feature inside one team Concrete problems with visible impact — first transaction, return, and a subscription people choose to keep A strong cross-functional team — product, research, content, and engineering — all invested in quality What you will be doing Look across consumer products and design the experience as one customer journey, so Tabby feels consistent and whole Design onboarding that explains the value of the products in plain language and gets a new customer oriented Design activation of financial products — Tabby Card, Tabby Cash, and BNPL — through to the first transaction Design the moments and communication that bring people back after the first transaction and keep them transacting Shape the subscription experience and help grow s part of the same journey Work with product teams that ship on their own, and hold the seams between their products so the customer does not feel the org chart Work closely with your Product Manager to unpack the problem and turn it into a design that serves both the customer and the business Collaborate with UX Researchers to validate assumptions, and with a UX Writer to make the value of each product clear Partner with engineering throughout delivery and own the quality of what ships to production What you will need 5+ years of product design experience, with meaningful time on consumer products at scale Strong systems thinking: you can hold several products in one journey, including states, edge cases, and the handoff from one product to the next Ability to simplify: you can take a fragmented, multi-product experience and make it feel like one product a person can move through Strong product thinking: you understand business goals and customer needs equally well, and you know how to balance them A portfolio showing end-to-end ownership, from problem framing to polished, production-ready UI Experience working in cross-functional teams with product managers, researchers, writers, and engineers High craft standards and real care for what reaches users You know how to optimize your workflow with AI tools and use them to work faster and smarter Nice to have Experience with fintech, consumer finance, subscriptions, or lifecycle work: onboarding, activation, retention Experience designing across several products that have to feel like one Experience with growth mechanics: first transaction, habit, and return Experience contributing to or working within a design system Benefits We hire candidates based within four hours of Dubai time , with remote work available in eligible locations. Depending on your circumstances, we can also discuss an individual relocation plan to our hubs in Armenia, Georgia, Serbia, Poland, and Spain. What you can expect Flexible working hours, coordinated with your team and the needs of your role. Autonomy and responsibility from day one. Opportunities to grow through the quality and impact of your work. Participation in our employee stock option program. We’re committed to an inclusive, high-performing workplace where people from different backgrounds have the support to grow and achieve their goals. If this sounds like the right opportunity for you, we’d love to hear from you.

Location: Mexico City, Mexico Workplace: hybrid inDrive is a global mobility platform built on fairness: passengers and drivers agree on the price together. We are building a Loyalty Program that rewards passengers for riding with us and gives them real value, not endless promotions. As Partnership Manager, Loyalty, you will own the benefits side of that program globally, across all of inDrive's markets. You will shape the value proposition across three types of benefits: external benefits co-funded by banks, financial groups and consumer brands; internal benefits funded by inDrive; and product benefits built into the app. You will bring partners on board and turn conversations into signed agreements that work in practice, and you will run experiments across all three until we find the mix that passengers actually adopt. You will be the first dedicated hire on this workstream, reporting directly to the Global Director of Loyalty. Disclaimer: CVs in Spanish will NOT be considered. Key Responsibilities Build and prioritize the global partner pipeline, with local depth in your region, choosing partners by fit with the program rather than by the volume they offer. Lead negotiations with Strategic Alliances teams at banks and financial groups, and guide them through their internal approvals (Risk, Legal, Product, Finance). Structure and negotiate term sheets, campaign terms and settlement mechanics together with our Legal and Finance teams. Shape the value proposition for external benefits (partner-funded) and internal benefits (inDrive-funded), and keep both coherent for the passenger. Champion product benefits internally: build the case with Product and other teams so that app features become part of the loyalty offer. Run the experimentation across all benefit types, from hypothesis to test design and readout, until we find the sweet spot of adoption. Work with Product and Fintech teams so every agreement can run on our native product and wallet. Define the partner offer catalog and the criteria for turning down offers that do not give passengers fair value. Track benefit and partner performance (adoption, redemptions, incrementality, return for both sides) and report it to leadership. Represent inDrive in front of partner executives across our markets. Skills, Knowledge & Expertise 6 to 10 years in partnerships, strategic alliances or business development, with at least 3 in loyalty, cashback, fintech, payments, super-apps or marketplaces. A track record negotiating co-funded campaigns or agreements with external funders such as banks, card issuers or large consumer brands. Experience working with Strategic Alliances teams at banks or financial groups and navigating their internal approval chain. Experience structuring deals with Legal and Finance: term sheets, campaign terms, settlements. Hands-on experience designing and running experiments on benefits or offers (A/B tests, pilots) and acting on the results. Comfort with data: you read redemption dashboards and understand incrementality and campaign ROI. Fluent Spanish and English. How you work You influence without authority, moving several internal teams and an external partner at once. You translate between worlds: you can explain our model to a bank and a bank's request to our Legal and Finance teams. You have the judgment to say no to volume that does not serve passengers, and the tact to keep the relationship. You are comfortable building from zero, with no closed playbook. You communicate clearly with executives and work autonomously through long negotiation cycles. You care about fair value for passengers, not only about the size of the funding. Nice to have Experience inside a bank, card issuer or fintech, or an existing network in one or more of inDrive's markets. Knowledge of banking and fintech ecosystems in emerging markets across Latin America, Asia or Africa. Experience with both funding models: partner prefunds the incentive, or the platform advances it and settles later. Background in ride-hailing, delivery or mobility. Having launched a partner program from scratch. Interest in purpose-driven initiatives. Location and team Scope: Global. You will build partnerships and benefits across inDrive's markets in Latin America, Asia, Africa and beyond. Location: Peru, Colombia or Mexico. We will prioritize candidates with a network in Peru or Colombia. Reports to: Global Director of Loyalty. Works with: Product, Fintech, Legal, Finance and the corporate Partnerships team, on a global, English-speaking team.

Location: Lima, Peru Workplace: hybrid inDrive is a global mobility platform built on fairness: passengers and drivers agree on the price together. We are building a Loyalty Program that rewards passengers for riding with us and gives them real value, not endless promotions. As Partnership Manager, Loyalty, you will own the benefits side of that program globally, across all of inDrive's markets. You will shape the value proposition across three types of benefits: external benefits co-funded by banks, financial groups and consumer brands; internal benefits funded by inDrive; and product benefits built into the app. You will bring partners on board and turn conversations into signed agreements that work in practice, and you will run experiments across all three until we find the mix that passengers actually adopt. You will be the first dedicated hire on this workstream, reporting directly to the Global Director of Loyalty. Disclaimer: CVs in Spanish will NOT be considered. Key Responsibilities Build and prioritize the global partner pipeline, with local depth in your region, choosing partners by fit with the program rather than by the volume they offer. Lead negotiations with Strategic Alliances teams at banks and financial groups, and guide them through their internal approvals (Risk, Legal, Product, Finance). Structure and negotiate term sheets, campaign terms and settlement mechanics together with our Legal and Finance teams. Shape the value proposition for external benefits (partner-funded) and internal benefits (inDrive-funded), and keep both coherent for the passenger. Champion product benefits internally: build the case with Product and other teams so that app features become part of the loyalty offer. Run the experimentation across all benefit types, from hypothesis to test design and readout, until we find the sweet spot of adoption. Work with Product and Fintech teams so every agreement can run on our native product and wallet. Define the partner offer catalog and the criteria for turning down offers that do not give passengers fair value. Track benefit and partner performance (adoption, redemptions, incrementality, return for both sides) and report it to leadership. Represent inDrive in front of partner executives across our markets. Skills, Knowledge & Expertise 6 to 10 years in partnerships, strategic alliances or business development, with at least 3 in loyalty, cashback, fintech, payments, super-apps or marketplaces. A track record negotiating co-funded campaigns or agreements with external funders such as banks, card issuers or large consumer brands. Experience working with Strategic Alliances teams at banks or financial groups and navigating their internal approval chain. Experience structuring deals with Legal and Finance: term sheets, campaign terms, settlements. Hands-on experience designing and running experiments on benefits or offers (A/B tests, pilots) and acting on the results. Comfort with data: you read redemption dashboards and understand incrementality and campaign ROI. Fluent Spanish and English. How you work You influence without authority, moving several internal teams and an external partner at once. You translate between worlds: you can explain our model to a bank and a bank's request to our Legal and Finance teams. You have the judgment to say no to volume that does not serve passengers, and the tact to keep the relationship. You are comfortable building from zero, with no closed playbook. You communicate clearly with executives and work autonomously through long negotiation cycles. You care about fair value for passengers, not only about the size of the funding. Nice to have Experience inside a bank, card issuer or fintech, or an existing network in one or more of inDrive's markets. Knowledge of banking and fintech ecosystems in emerging markets across Latin America, Asia or Africa. Experience with both funding models: partner prefunds the incentive, or the platform advances it and settles later. Background in ride-hailing, delivery or mobility. Having launched a partner program from scratch. Interest in purpose-driven initiatives. Location and team Scope: Global. You will build partnerships and benefits across inDrive's markets in Latin America, Asia, Africa and beyond. Location: Peru, Colombia or Mexico. We will prioritize candidates with a network in Peru or Colombia. Reports to: Global Director of Loyalty. Works with: Product, Fintech, Legal, Finance and the corporate Partnerships team, on a global, English-speaking team.

Location: Bogotá, Colombia Workplace: hybrid inDrive is a global mobility platform built on fairness: passengers and drivers agree on the price together. We are building a Loyalty Program that rewards passengers for riding with us and gives them real value, not endless promotions. As Partnership Manager, Loyalty, you will own the benefits side of that program globally, across all of inDrive's markets. You will shape the value proposition across three types of benefits: external benefits co-funded by banks, financial groups and consumer brands; internal benefits funded by inDrive; and product benefits built into the app. You will bring partners on board and turn conversations into signed agreements that work in practice, and you will run experiments across all three until we find the mix that passengers actually adopt. You will be the first dedicated hire on this workstream, reporting directly to the Global Director of Loyalty. Disclaimer: CVs in Spanish will NOT be considered. Key Responsibilities Build and prioritize the global partner pipeline, with local depth in your region, choosing partners by fit with the program rather than by the volume they offer. Lead negotiations with Strategic Alliances teams at banks and financial groups, and guide them through their internal approvals (Risk, Legal, Product, Finance). Structure and negotiate term sheets, campaign terms and settlement mechanics together with our Legal and Finance teams. Shape the value proposition for external benefits (partner-funded) and internal benefits (inDrive-funded), and keep both coherent for the passenger. Champion product benefits internally: build the case with Product and other teams so that app features become part of the loyalty offer. Run the experimentation across all benefit types, from hypothesis to test design and readout, until we find the sweet spot of adoption. Work with Product and Fintech teams so every agreement can run on our native product and wallet. Define the partner offer catalog and the criteria for turning down offers that do not give passengers fair value. Track benefit and partner performance (adoption, redemptions, incrementality, return for both sides) and report it to leadership. Represent inDrive in front of partner executives across our markets. Skills, Knowledge & Expertise 6 to 10 years in partnerships, strategic alliances or business development, with at least 3 in loyalty, cashback, fintech, payments, super-apps or marketplaces. A track record negotiating co-funded campaigns or agreements with external funders such as banks, card issuers or large consumer brands. Experience working with Strategic Alliances teams at banks or financial groups and navigating their internal approval chain. Experience structuring deals with Legal and Finance: term sheets, campaign terms, settlements. Hands-on experience designing and running experiments on benefits or offers (A/B tests, pilots) and acting on the results. Comfort with data: you read redemption dashboards and understand incrementality and campaign ROI. Fluent Spanish and English. How you work You influence without authority, moving several internal teams and an external partner at once. You translate between worlds: you can explain our model to a bank and a bank's request to our Legal and Finance teams. You have the judgment to say no to volume that does not serve passengers, and the tact to keep the relationship. You are comfortable building from zero, with no closed playbook. You communicate clearly with executives and work autonomously through long negotiation cycles. You care about fair value for passengers, not only about the size of the funding. Nice to have Experience inside a bank, card issuer or fintech, or an existing network in one or more of inDrive's markets. Knowledge of banking and fintech ecosystems in emerging markets across Latin America, Asia or Africa. Experience with both funding models: partner prefunds the incentive, or the platform advances it and settles later. Background in ride-hailing, delivery or mobility. Having launched a partner program from scratch. Interest in purpose-driven initiatives. Location and team Scope: Global. You will build partnerships and benefits across inDrive's markets in Latin America, Asia, Africa and beyond. Location: Peru, Colombia or Mexico. We will prioritize candidates with a network in Peru or Colombia. Reports to: Global Director of Loyalty. Works with: Product, Fintech, Legal, Finance and the corporate Partnerships team, on a global, English-speaking team.

Location: New Delhi, India Workplace: hybrid inDrive is a global marketplace operating across 47 countries and 1,200+ cities, where riders set their price and choose between competing driver offers. Because every offer displays a pick-up ETA, accuracy directly drives matching—shaping which offer wins, what riders pay for speed, and whether drivers bid. As the founding PM of the Geo ETA squad, you will own the end-to-end arrival promise for rides and multi-leg deliveries. Sitting on top of core routing, you’ll manage display policies, post-acceptance revisions, and critical non-routing factors like driver reaction times and merchant prep. You’ll solve the core marketplace trade-off: balancing unpaid driver wait times from early arrivals against user churn from late ones. Key Responsibilities Surface & Vertical Ownership: Manage pick-up and drop-off ETAs across all ride-hailing, delivery, courier, and intercity surfaces—from pre-order screens and driver bid cards to active trip tracking, lock screens, and widgets. The "Kept Promise" Framework: Define exact early/late arrival thresholds for pick-ups and drop-offs using behavioral data (cancellations, complaints, reorders) and enforce counter-metrics (like unpaid driver wait time) so teams can't game accuracy by over-padding. Non-Routing Realities: Account for real-world operational delays that traditional route engines miss, including post-acceptance driver reaction time, finishing prior trips, merchant prep times, courier dispatch, and door-to-door handovers. Conversion vs. Lateness Balance: Solve the core business trade-off between over-quoting (which lowers upfront order conversion) and under-quoting (which leads to lateness, rider cancellations, and lost trust). Data Science & Model Governance: Act as the product owner for ETA models—specifying post-acceptance refiners, offline/online evaluation sets, fallback logic, and city-level cold-start strategies in close alignment with Data Science. Cross-Team & System Resilience: Route systematic road/speed defects back to the Geo Way squad (rather than building redundant speed models), log all shown ETAs across all surfaces for auditability, and ensure reliability on low-end hardware and spotty connections. Skills, Knowledge and Expertise 5+ years in Product Management within high-volume Mapping, Ride-hailing or Delivery business. Domain Expertise in Promises & Supply: Experience building time or availability promises (such as ETAs, delivery dates, dispatch/allocation, or capacity planning) that drive action for customers or operators. Behavior-Driven Thresholds: Proven ability to calibrate accuracy and quality standards directly against user behavioral data (e.g., cancellations, conversion rates, and retention). Advanced Experimentation: Ownership of rigorous experiment design—defining success/guardrail/exit criteria upfront, understanding statistical detection limits, and executing switchback or geo-split testing in interconnected marketplace environments. Technical & Data Science Collaboration: Strong analytical self-sufficiency (writing SQL and diagnosing metric movements), paired with experience specifying model evaluation/fallback strategies and identifying when simple rules outperform complex models. Two-Sided Marketplace & Stakeholder Management: Deep understanding of two-sided marketplace dynamics (balancing rider, driver/courier, and business outcomes) alongside the ability to push back on senior leadership requests using data-backed alternatives and safe testing paths. Communication: Business-fluent English proficiency (B2/C1+ or equivalent). Why join us Help us challenge injustice by creating fair choices for millions of people across 47 countries. Develop your professional skills with access to mentoring, career consulting, and learning programs. Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program. Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects. Work alongside people who take initiative, speak openly, and challenge themselves to grow. Improve your language skills through co-financed courses and internal speaking clubs. Final benefits may vary depending on the location.

Location: London, UK Workplace: OnSite ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. ABOUT THE ROLE Ramp is scaling fast in the UK. Our European operations team (Europs) gets UK and EU businesses onboarded across Ramp's own regulated entities and our card-issuing and payments partners. We're a small team that runs on frontier AI tooling: our operators build and maintain their own automations and apps, and have taken daily processes from hours to minutes. We're hiring a KYB Operations Lead to run the UK onboarding operation day to day. You'll manage our UK operators, own the queue, make the hard calls on complex cases and escalations, and keep improving how the operation works as volume grows. This is a hands-on leadership role: you'll be as comfortable in a difficult ownership structure as in a capacity plan. WHAT YOU'LL DO - Line-manage and develop the UK operators: prioritisation, 1:1s, performance, and helping them grow as builders as well as reviewers - Own overall queue management and resourcing for UK onboarding: what gets worked first, who works it, and how we keep cases moving through leave and spikes in volume - Make the final first-line (1LoD) call on complex cases: complex ownership structures, EDD, PEP and adverse-media outcomes, and cases that need a judgement rather than a checklist - Own escalations with our card-issuing and payments partners, including recurring failures, disputed or unnecessary requirements, and turning each fix into a repeatable playbook - Run customer-facing onboarding communications with quality: clear requests, fast follow-ups, no avoidable back-and-forth - Define and report operational metrics (caseload by provider, time to close, handling time) and use them to improve the operation - Find and remove friction: spot requirements customers shouldn't have to meet twice and work with Product and Engineering to design them out - Build consistent, evidenced 1LoD decision standards that hold up to partner sample reviews and second-line scrutiny - Act as hands-on backup for UK safeguarding: daily reconciliations and investigating breaks when cover is needed WHAT YOU NEED - 5+ years in KYB / onboarding / financial-crime operations at a UK fintech, EMI, PI or bank - Practical working knowledge of the UK regulatory framework for EMIs/PIs: MLRs 2017, JMLSG guidance, and FCA expectations for customer due diligence - Strong judgement on complex business customers: multi-layer ownership, overseas parents, trusts, PEPs, and knowing when to escalate - Clear written communication, both with customers and in documented case decisions - Demonstrated use of AI tools in your day-to-day work to go faster or do better work, with concrete examples - A bias to fix the process rather than just work the queue   NICE-TO-HAVES - Line management of operators or analysts (strongly preferred) - Experience working with card-issuing, BaaS or payments partners on onboarding (e.g. partner due-diligence requests, sample reviews) - Safeguarding / client-money reconciliation experience - Writing requirements for Product and Engineering teams - EU onboarding experience or a second European language BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf.   OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice

Location: Remote (Canada) Workplace: Remote ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. ABOUT THE ROLE Ramp is seeking an experienced Money Laundering Reporting Officer (MLRO) for its FINTRAC-registered Money Services Business entity. Under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and its Regulations, this role is the legally-appointed compliance officer responsible for implementing RBCC's AML/ATF compliance program and for reporting suspicious transactions to FINTRAC. This is a standalone, high-accountability compliance leadership role: you will own Ramp Canada’s AML program end to end, act as the primary point of contact for FINTRAC and Ramp’s financial partners in the region, and serve as the gatekeeper protecting Ramp's Canadian entity from financial crime. WHAT YOU'LL DO - Serve as RBCC's MLRO, with authority over AML/ATF program design, execution, and effectiveness - Act as primary regulatory contact with FINTRAC, managing supervisory correspondence, reporting, and exam readiness - Make STR (Suspicious Transaction Report) filing determinations and file STRs - Run day-to-day transaction monitoring and sanctions screening triage and investigation for the Canadian book - -Own and maintain RBCC's AML/ATF risk assessment, refreshing it as products, geography, and risk profile evolve (including Quebec's onboarding) - Develop, document, and deliver RBCC's ongoing compliance training program - Define and stand up the operational workstreams for Canada, including case types, SLAs, escalation paths, tooling. - Negotiate and clarify AML/compliance requirements directly with BMO (our Canadian banking partner) and other partners as new products and use cases come online - Partner with Ramp's broader Compliance, Legal, and Regulatory Affairs teams (US) on cross-border projects and Canada's continued expansion - Partner with the Global team and the Engineering team to identify areas of opportunity for automation, and operational efficiency and lead AI-driven initiatives. WHAT YOU NEED - 8+ years of financial services experience in compliance, AML, or related regulatory advisory roles, preferably in fintech or at an MSB - Deep working knowledge of FINTRAC's supervisory expectations and regulations - Direct experience interfacing with regulators and bank partners - AI Fluency and demonstrated experience leveraging AI to build and scale AML programs - Comfort operating as a standalone compliance lead with independent judgment on filing/escalation decisions - Experience building an AML program from a nascent/early stage, not only maintaining an established one - Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring) strongly preferred over traditional retail-branch compliance background NICE-TO-HAVES - Fluency in French - Experience supporting an MSB registration/licensing process (e.g., provincial registrations such as Quebec) - Prior cross-border/group compliance structure experience - Data analysis skills BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf.   OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice

Location: London, UK Workplace: OnSite ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. ABOUT THE ROLE Ramp is seeking a 2LoD Compliance Strategist to provide dedicated independent second-line assurance across Ramp UK & Irish regulated businesses. This is a hands-on role for someone who can turn regulatory expectations into a practical, evidence-led monitoring and assurance programme. The role sits within Ramp's Europe Compliance function and supports the Head of Compliance & MLRO - Europe. You will not own first-line operational decisions or perform routine casework. Instead, you will independently test and challenge the design and operation of financial-crime, safeguarding, payments, outsourcing, governance, and regulatory-change controls. You will make sure that findings are understood, remediated by accountable owners, and independently validated before closure. Ramp Payments Europe is developing across multiple legal entities, jurisdictions, payment rails, banking partners, product journeys, and shared Group services. The successful candidate will help give management and Boards a clear, reliable view of whether controls work in practice and where action is needed. WHAT YOU'LL DO - Run a practical, risk-based compliance monitoring programme across Ramps European entities. - Test key controls and identify gaps, with a focus on whether they work in practice. - Support assurance over financial-crime, payments, safeguarding, and outsourced-service controls. - Track regulatory, Board, partner, audit, and internal commitments to ensure actions are completed on time. - Manage findings and remediation, helping accountable teams resolve issues and confirming actions are closed. - Produce clear reporting for management and Boards on key risks, control issues, incidents, and progress. - Provide independent compliance input and advisory on significant product, payments, outsourcing, and operational changes. - Deputise for the Head of Compliance & MLRO where required. WHAT YOU NEED - Min. 4 year of experience in compliance, risk, audit, controls, or regulatory change within payments, fintech, banking, or another regulated environment. - Experience supporting compliance monitoring, control testing, issue management, remediation, or governance reporting. - Working knowledge of UK and/or EU financial-services regulation, with the ability to apply requirements pragmatically in a fast-moving environment. - Familiarity with financial-crime controls such as customer due diligence, sanctions screening, transaction monitoring, or record keeping. - An interest in areas such as payments, safeguarding, outsourcing, operational resilience, or third-party oversight. - Strong judgement and communication skills, with the confidence to identify issues, explain risk clearly, and work constructively with stakeholders. - Comfortable working independently, managing priorities, and partnering with Product, Engineering, Operations, Legal, and Risk teams. - Curious about using AI responsibly to improve compliance analysis, monitoring, or documentation. NICE-TO-HAVES - Experience in a UK payment institution, e-money institution, bank, card issuer, acquiring business, or payments fintech. - Experience supporting FCA-facing work, banking-partner due diligence requirements. - Experience with Consumer Duty, safeguarding, or formal outsourcing governance. - Professional compliance, audit, risk, or financial-crime qualification. BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf.   OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice

Location: Remote (Sweden) Workplace: Remote ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. ABOUT THE ROLE Ramp is launching payments across the EU through its Swedish payment institution. Our European operations team (Europs) onboards European businesses and keeps them trading, across Ramp's own regulated entities and our card-issuing and payments partners. We're a small team that runs on frontier AI tooling: our operators build and use their own automations so they can spend their time on judgement, not admin. We're hiring a KYB/AML Analyst in Stockholm to review and onboard business customers of our Swedish entity, work directly with those customers to get them live, and resolve onboarding requirements raised by our partners. You'll join a small Swedish team and help keep onboarding moving every day as we grow. WHAT YOU'LL DO - Carry out first-line (1LoD) KYB reviews of business customers onboarding with Ramp's Swedish payment institution: company verification, beneficial ownership, sanctions/PEP/adverse-media screening, and risk assessment - Decide standard cases end to end, and escalate complex or higher-risk cases with a clear rationale - Handle customer communications through onboarding: clear document requests, follow-ups and status updates - Resolve onboarding requirements from our card-issuing and payments partners for EU customers - Document decisions to a standard that holds up to second-line and regulatory review - Keep Swedish casework moving when teammates are on leave or handling incidents - Spend part of your time improving how we work: playbooks, templates and AI-assisted workflows WHAT YOU NEED - 2–4 years of KYB / AML / onboarding experience at a fintech, payment institution, EMI or bank - Solid grounding in business customer due diligence: company registers, UBO identification, sanctions/PEP screening, and spotting red flags - Fluent English, written and verbal - Clear, friendly written communication with customers - Curiosity about AI tools and how they can make casework faster and better - Based in, or relocating to, Stockholm, with the right to work in Sweden NICE-TO-HAVES - Swedish (strongly preferred) - Familiarity with Swedish sources and requirements (Bolagsverket, the beneficial ownership register, FI expectations under the Swedish AML Act) - Experience onboarding EU businesses across several jurisdictions - An additional European language BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf.   OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice

Location: Houston, TX, United States PIPECARE Group is looking for an experienced Office Administrator to join our team in Houston . By providing technology and service focused solutions to the international arena of the oil and gas industry, the PIPECARE Group of companies has been helping our customers ensure the integrity of their pipeline and facility assets for over 20 years. Industry/sector: Oil & Gas / In Line Inspection services. The Office Administrator is responsible for managing day-to-day office operations, coordinating logistics for field crews and project teams, supporting HR and finance administration, and ensuring the office functions efficiently as a hub for Americas-based operations. The right candidate will be comfortable working in an oil field or industrial services environment, dealing with the pace and unpredictability that comes with it, and taking ownership of problems without waiting to be asked. Key Responsibilities & Authorities Office Operations: Manage the day-to-day running of the Katy office including facilities, supplies, equipment, and vendor relationships. Coordinate meeting rooms, visitor logistics, and general office environment standards. Oversee mail, courier, and document management processes. Maintain office lease, utilities, and service contracts; liaise with building management as required. Ensure compliance with workplace health, safety, and fire safety requirements. Field & Project Logistics Support: Coordinate crew travel, accommodation, and mobilisation logistics for field assignments across the Americas. Manage vehicle pool, equipment check-in/out registers, and PPE inventory. Support project teams with purchase order processing, expense claims, and supplier coordination. Liaise with field supervisors and project coordinators to anticipate logistics needs ahead of mobilisations. HR & People Administration: Support onboarding and offboarding processes for Houston-based and travelling employees. Maintain accurate employee records, training certifications, and compliance documentation. Coordinate drug and alcohol testing, background checks, and medical clearances as required. Track leave, overtime, and timesheet submissions; liaise with payroll as needed. Act as a first point of contact for routine employee queries on policies, benefits, and office matters. Finance & Procurement Administration: Process invoices, purchase orders, and expense reports; code transactions to correct cost centres. Maintain petty cash and manage office budget tracking. Liaise with the finance team on vendor payments, credit card reconciliations, and month-end close requirements. Manage office supply procurement and maintain preferred vendor lists. Communications & Administration: Provide administrative support to the Regional Manager and senior leadership as required. Draft correspondence, prepare reports, and maintain filing systems. Support preparation of client-facing documents, proposals, and presentations. Coordinate internal events, staff meetings, and team activities. Requirements : Essential: Minimum 3 years of experience in an office management, operations coordinator, or senior administrative role Background in a service-oriented environment (field services, technical services, contracting, or similar) Demonstrated ability to manage multiple competing priorities without dropping the ball Strong proficiency in Microsoft Office Suite (Word, Excel, Outlook, Teams) Confident communicator, both written and verbal, with a professional and positive manner Right to work in the United States without sponsorship Preferred: Prior experience in an oilfield, pipeline, energy services, or industrial services company. Familiarity with field crew logistics, including travel coordination and mobilisation workflows. Experience with basic HR administration processes (onboarding, records management, compliance tracking). Exposure to procurement and basic accounts administration in a small-to-mid-sized office environment. Experience using an ERP or HRIS system (any platform considered). Key Competencies: Takes ownership and follows through without needing to be chased. Adapts quickly when plans change, as they often do in field services. High attention to detail while maintaining a practical, solutions-focused outlook. Builds strong working relationships across technical, operational, and commercial teams. Handles sensitive information with discretion and professionalism. Proactively identifies problems and resolves them before they escalate. What We Offer Competitive salary commensurate with experience Health, dental, and vision benefits Paid time off and company holidays A varied, fast-paced role with real responsibility from day one Exposure to international operations across a growing global business Stable, family-owned business with a long-term growth outlook Part time and flex-work considered

Location: Sharjah, United Arab Emirates The HR & PRO Administrator supports the effective delivery of human resources, employee services, government relations, and office administration activities in the UAE. The role implements corporate HR policies and procedures, maintains accurate employee records, coordinates recruitment and onboarding activities, administers attendance, leave, benefits, payroll inputs, training records, and employee documentation, and ensures compliance with applicable company requirements and UAE labour regulations. The HR Administrator manages employee and company government transactions, including work permits, employment visas, labour cards, medical and Emirates ID coordination, renewals, cancellations, attestations, and licence-related documentation. The role maintains productive relationships with relevant ministries, authorities, free zones, embassies, and service providers; monitors regulatory updates; and provides timely administrative support to employees and the business. Job Functions, Responsibilities Coordinate HR administration and ensure timely communication of employee-related matters between the UAE office, regional teams, and corporate HR. Support recruitment by posting vacancies, screening applications, scheduling interviews, preparing offers, and completing pre-employment documentation. Coordinate employee onboarding, induction, probation follow-up, transfers, promotions, and offboarding in accordance with approved procedures. Maintain complete, accurate, secure, and confidential personnel files, HR records, and employee data in the ERP system. Administer attendance, leave, benefits, medical insurance, salary adjustments, and payroll inputs; reconcile records and submit approved monthly payroll data on time. Prepare HR correspondence and employment documents, including contracts, certificates, confirmation letters, promotion letters, warnings, clearances, and separation documents. Respond to employee queries, explain applicable policies and procedures, and escalate sensitive or complex employee-relations matters to HR management. Support performance-management, training, and employee-engagement activities; maintain the training matrix and related attendance records. Prepare accurate weekly and monthly HR reports, monitor document expiry dates, and follow up on required actions. Support implementation of HR policies and ensure assigned activities comply with company procedures and applicable UAE labour requirements. PRO responsibilities include, but are not limited to: Labour/ Immigration Process and track employment visas, work permits, labour cards, medical examinations, Emirates IDs, renewals, status changes, and cancellations for employees. Prepare, submit, and follow up on applications and supporting documents with relevant UAE authorities and free zones. Coordinate business and visit visa requirements and liaise with embassies, diplomatic missions, and immigration authorities when required. Maintain accurate records of passports, visas, permits, identification documents, application receipts, costs, and expiry dates, with appropriate confidentiality controls. Monitor changes in government procedures and communicate relevant updates, documentation requirements, timelines, and compliance risks to HR management and employees. Provide employees and managers with clear guidance on routine government-related processes while escalating legal interpretations or exceptional cases to the appropriate internal adviser. Legal Represent the company before government authorities for routine administrative transactions within the role’s delegated authority. Coordinate the renewal and maintenance of trade licences, commercial registrations, establishment cards, government certificates, and other statutory company documents with Legal, Finance, and authorised service providers. Arrange document attestation, notarisation, legal translation, and consular processing as required. Support Legal and management with documentation required for entity establishment, licence amendments, and authorised corporate filings in the UAE. Perform other HR, PRO, and administrative duties reasonably assigned by the Global HR Manager, Corporate HR Director, or Head of the regional office. Skills and Experience Bachelor's degree or diploma in Human Resources, Business Administration, Public Administration, or a related field. 5 to 7 years of relevant experience in HR and PRO functions within the UAE, preferably in a multinational or multi-location organization. Strong knowledge of UAE Labor Law, immigration procedures, free-zone regulations, and government service processes, with the ability to stay updated on regulatory changes. Hands-on experience in visa and work permit processing, employee records management, attendance and leave administration, payroll coordination, insurance administration, and HR documentation. Proven experience in labor law compliance, employee relations, and the implementation of HR policies in line with UAE regulations. Proficiency in Microsoft Office and HR/ERP systems; experience with UAE government portals is preferred. Excellent written and verbal communication skills in English; knowledge of Arabic is an advantage. Strong organizational skills, attention to detail, discretion in handling confidential information, and the ability to manage multiple priorities under tight deadlines. A valid UAE driving license is preferred, particularly for roles requiring travel to government authorities and service centers.

Location: Metro Manila, Philippines About the Client We're helping a company in the fintech and digital assets industry find an experienced Customer Support Specialist to support users of its digital assets platform and associated crypto payment card. The company operates within the evolving financial technology space, providing digital financial solutions that connect traditional payment services with cryptocurrency and digital assets. As the business continues to grow, they're looking for their first dedicated Customer Support Specialist to take ownership of incoming customer inquiries, resolve issues, and help establish a reliable, high-quality customer support function. The Role We're looking for a Customer Support Specialist – Fintech & Crypto Payments who combines excellent customer service skills with a strong understanding of financial products, digital platforms, payment transactions, and ideally cryptocurrency. You'll be the first point of contact for customers using the platform and its associated crypto card, helping them navigate account setup, verification, platform functionality, card usage, payments, deposits, withdrawals, and other transaction-related concerns. The majority of support will be handled through live chat and written communication , with occasional phone or video calls when customers require more hands-on assistance. As the first person joining this function, you'll be expected to take ownership of incoming cases and resolve issues independently wherever possible, following established SOPs and escalation procedures. This is not a generic customer service role. We're looking for someone who can understand the product, investigate problems, identify solutions, and confidently guide customers through financial and technical issues. Role Details Commitment: Full-Time (40 hours/week) Working Hours: Fixed Bahamas business hours (Eastern Time) Location: Fully Remote Engagement: Independent Contractor Start Date: ASAP Monthly Rate: US$1,200 - $1,600 (Depending on level of experience) What You'll Do Customer Support & Platform Assistance Serve as the primary point of contact for incoming customer inquiries through live chat, email, and other written channels. Handle phone or video calls when issues require more detailed or personalized assistance. Guide customers through account creation, onboarding, verification, and general platform navigation. Help customers understand and use the platform's features and services effectively. Investigate customer concerns, identify underlying issues, and provide accurate, timely resolutions. Take ownership of cases from initial contact through resolution, escalating only when necessary and in line with established SOPs. Maintain professional, clear, and reassuring communication throughout the customer journey. Crypto Card & Payment Support Assist customers with crypto card issuance, activation, linking, and usage. Troubleshoot Visa card-related issues, including declined or failed transactions, card connections, and payment concerns. Help customers understand transaction statuses, payment processes, and common reasons for unsuccessful transactions. Support customers with deposits, withdrawals, transfers, balances, and account-related transactions. Investigate transaction discrepancies and coordinate with internal teams where additional support is required. Provide clear guidance while maintaining accuracy when handling financial and transactional information. Account Verification & Issue Resolution Guide customers through relevant KYC, identity verification, and account-related procedures. Troubleshoot common account access, verification, and platform issues. Independently investigate and resolve incoming cases using available tools, resources, and established procedures. Recognize when issues require escalation to operations, compliance, payments, or technical teams. Maintain ownership of the customer experience even when other teams are involved in resolving a case. Handle sensitive customer information with appropriate care, discretion, and confidentiality. Support Operations & Continuous Improvement Accurately document customer inquiries, troubleshooting steps, actions taken, and resolutions in internal systems. Follow established SOPs while identifying opportunities to improve support processes and customer communication. Help build and refine the customer support function as the company's first dedicated support specialist. Identify recurring issues, customer pain points, and potential gaps in the platform experience. Share feedback and recommendations with relevant internal teams. Stay informed about platform functionality, crypto card processes, internal procedures, and product updates. What We're Looking For Must-Haves At least 3 years of experience in customer support, client services, or client operations , preferably within fintech, financial services, digital banking, payments, or cryptocurrency. Direct experience supporting customers using financial products, payment cards, or digital financial platforms. Strong understanding of card payments and common transaction issues, including declined payments, failed transactions, card activation, and payment troubleshooting. Familiarity with customer onboarding, account verification, KYC, and transaction-related support processes. Strong written and spoken English, with the ability to explain financial or technical issues clearly and professionally. Experience handling customer inquiries through live chat, email, or other written communication channels. Confidence communicating with customers through phone or video calls when required. Strong troubleshooting skills and the ability to independently investigate and resolve customer concerns. Ability to follow SOPs, exercise sound judgment, and recognize when escalation is necessary. Excellent attention to detail, particularly when dealing with financial transactions and sensitive customer information. Strong organizational skills and the ability to manage multiple incoming cases while maintaining quality and responsiveness. A proactive, resourceful, and customer-focused approach to problem-solving. Familiarity with cryptocurrency and digital assets, whether through professional experience or personal use. Nice-to-Haves Professional experience supporting a cryptocurrency exchange, wallet provider, crypto card, trading platform, or digital assets business. Experience supporting Visa/Mastercard-linked financial products or payment cards. Familiarity with cryptocurrency wallets, exchanges, deposits, withdrawals, and on-chain transactions. Experience in payments operations, trading operations, financial-services operations, or client operations. Experience supporting B2C financial products. Familiarity with customer support platforms such as Intercom, Zendesk, Freshdesk, Salesforce, or similar tools. Experience using ticketing systems, knowledge bases, and internal escalation workflows. Understanding of blockchain and cryptocurrency concepts. Experience coordinating with compliance, risk, fraud, payments, or technical teams. Previous experience helping establish or improve a customer support function. Ideal Candidate Profile You're someone who genuinely enjoys helping customers but also has the technical curiosity and financial-product knowledge needed to investigate and resolve problems. You're comfortable explaining how digital financial platforms work, guiding customers through account and transaction issues, and troubleshooting payment card concerns. You don't simply pass difficult questions to another team—you investigate, follow the appropriate procedures, and take ownership of the issue through to resolution. Ideally, you've worked professionally within a crypto or digital assets environment. However, we're also open to strong candidates from fintech, digital banking, or payments who have a solid understanding of cryptocurrency through personal use. As the first dedicated customer support hire, you're comfortable working independently, following established processes, and helping shape how the function develops. Most importantly, you're resourceful, detail-oriented, calm under pressure, and committed to delivering an excellent customer experience . Why Join? Join a growing business operating at the intersection of fintech, digital assets, and payment technology. Become the company's first dedicated Customer Support Specialist and play an important role in developing the function. Gain hands-on exposure to digital financial products, crypto cards, payment processes, and platform operations. Take meaningful ownership of customer cases rather than working within a narrowly defined support function. Collaborate directly with operations, compliance, payments, and technical teams. Work remotely in a role that values independence, initiative, and problem-solving. Recruitment Process Initial Interview with Bamboo Works Client Interview Offer & Onboarding

Location: Cape Town, South Africa About the Client We're helping a company in the fintech and digital assets industry find an experienced Customer Support Specialist to support users of its digital assets platform and associated crypto payment card. The company operates within the evolving financial technology space, providing digital financial solutions that connect traditional payment services with cryptocurrency and digital assets. As the business continues to grow, they're looking for their first dedicated Customer Support Specialist to take ownership of incoming customer inquiries, resolve issues, and help establish a reliable, high-quality customer support function. The Role We're looking for a Customer Support Specialist – Fintech & Crypto Payments who combines excellent customer service skills with a strong understanding of financial products, digital platforms, payment transactions, and ideally cryptocurrency. You'll be the first point of contact for customers using the platform and its associated crypto card, helping them navigate account setup, verification, platform functionality, card usage, payments, deposits, withdrawals, and other transaction-related concerns. The majority of support will be handled through live chat and written communication , with occasional phone or video calls when customers require more hands-on assistance. As the first person joining this function, you'll be expected to take ownership of incoming cases and resolve issues independently wherever possible, following established SOPs and escalation procedures. This is not a generic customer service role. We're looking for someone who can understand the product, investigate problems, identify solutions, and confidently guide customers through financial and technical issues. Role Details Commitment: Full-Time (40 hours/week) Working Hours: Fixed Bahamas business hours (Eastern Time) Location: Fully Remote Engagement: Independent Contractor Start Date: ASAP Monthly Rate: US$1,200 - $1,600 (Depending on level of experience) What You'll Do Customer Support & Platform Assistance Serve as the primary point of contact for incoming customer inquiries through live chat, email, and other written channels. Handle phone or video calls when issues require more detailed or personalized assistance. Guide customers through account creation, onboarding, verification, and general platform navigation. Help customers understand and use the platform's features and services effectively. Investigate customer concerns, identify underlying issues, and provide accurate, timely resolutions. Take ownership of cases from initial contact through resolution, escalating only when necessary and in line with established SOPs. Maintain professional, clear, and reassuring communication throughout the customer journey. Crypto Card & Payment Support Assist customers with crypto card issuance, activation, linking, and usage. Troubleshoot Visa card-related issues, including declined or failed transactions, card connections, and payment concerns. Help customers understand transaction statuses, payment processes, and common reasons for unsuccessful transactions. Support customers with deposits, withdrawals, transfers, balances, and account-related transactions. Investigate transaction discrepancies and coordinate with internal teams where additional support is required. Provide clear guidance while maintaining accuracy when handling financial and transactional information. Account Verification & Issue Resolution Guide customers through relevant KYC, identity verification, and account-related procedures. Troubleshoot common account access, verification, and platform issues. Independently investigate and resolve incoming cases using available tools, resources, and established procedures. Recognize when issues require escalation to operations, compliance, payments, or technical teams. Maintain ownership of the customer experience even when other teams are involved in resolving a case. Handle sensitive customer information with appropriate care, discretion, and confidentiality. Support Operations & Continuous Improvement Accurately document customer inquiries, troubleshooting steps, actions taken, and resolutions in internal systems. Follow established SOPs while identifying opportunities to improve support processes and customer communication. Help build and refine the customer support function as the company's first dedicated support specialist. Identify recurring issues, customer pain points, and potential gaps in the platform experience. Share feedback and recommendations with relevant internal teams. Stay informed about platform functionality, crypto card processes, internal procedures, and product updates. What We're Looking For Must-Haves At least 3 years of experience in customer support, client services, or client operations , preferably within fintech, financial services, digital banking, payments, or cryptocurrency. Direct experience supporting customers using financial products, payment cards, or digital financial platforms. Strong understanding of card payments and common transaction issues, including declined payments, failed transactions, card activation, and payment troubleshooting. Familiarity with customer onboarding, account verification, KYC, and transaction-related support processes. Strong written and spoken English, with the ability to explain financial or technical issues clearly and professionally. Experience handling customer inquiries through live chat, email, or other written communication channels. Confidence communicating with customers through phone or video calls when required. Strong troubleshooting skills and the ability to independently investigate and resolve customer concerns. Ability to follow SOPs, exercise sound judgment, and recognize when escalation is necessary. Excellent attention to detail, particularly when dealing with financial transactions and sensitive customer information. Strong organizational skills and the ability to manage multiple incoming cases while maintaining quality and responsiveness. A proactive, resourceful, and customer-focused approach to problem-solving. Familiarity with cryptocurrency and digital assets, whether through professional experience or personal use. Nice-to-Haves Professional experience supporting a cryptocurrency exchange, wallet provider, crypto card, trading platform, or digital assets business. Experience supporting Visa/Mastercard-linked financial products or payment cards. Familiarity with cryptocurrency wallets, exchanges, deposits, withdrawals, and on-chain transactions. Experience in payments operations, trading operations, financial-services operations, or client operations. Experience supporting B2C financial products. Familiarity with customer support platforms such as Intercom, Zendesk, Freshdesk, Salesforce, or similar tools. Experience using ticketing systems, knowledge bases, and internal escalation workflows. Understanding of blockchain and cryptocurrency concepts. Experience coordinating with compliance, risk, fraud, payments, or technical teams. Previous experience helping establish or improve a customer support function. Ideal Candidate Profile You're someone who genuinely enjoys helping customers but also has the technical curiosity and financial-product knowledge needed to investigate and resolve problems. You're comfortable explaining how digital financial platforms work, guiding customers through account and transaction issues, and troubleshooting payment card concerns. You don't simply pass difficult questions to another team—you investigate, follow the appropriate procedures, and take ownership of the issue through to resolution. Ideally, you've worked professionally within a crypto or digital assets environment. However, we're also open to strong candidates from fintech, digital banking, or payments who have a solid understanding of cryptocurrency through personal use. As the first dedicated customer support hire, you're comfortable working independently, following established processes, and helping shape how the function develops. Most importantly, you're resourceful, detail-oriented, calm under pressure, and committed to delivering an excellent customer experience . Why Join? Join a growing business operating at the intersection of fintech, digital assets, and payment technology. Become the company's first dedicated Customer Support Specialist and play an important role in developing the function. Gain hands-on exposure to digital financial products, crypto cards, payment processes, and platform operations. Take meaningful ownership of customer cases rather than working within a narrowly defined support function. Collaborate directly with operations, compliance, payments, and technical teams. Work remotely in a role that values independence, initiative, and problem-solving. Recruitment Process Initial Interview with Bamboo Works Client Interview Offer & Onboarding

Location: Belgrade, Remote Workplace: remote Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. Over 25 million users choose Tabby to stay in control of their spending and make the most out of their money. The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 70,000 global brands and small businesses, including Amazon, Noon, IKEA, and SHEIN use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores. Tabby generates over $18 billion in annual transaction volume for its partner brands and is the highest-rated, most-reviewed, largest, and fastest-growing FinTech in the GCC region. Tabby launched in 2019 and has since raised +$1 billion in equity and debt funding from global and regional investors, and is now valued at $6,5 billion. We’re looking for a Senior Technical Product Manager with a strong system analysis background to join Tabby’s Financial Platform domain. Every product Tabby launches passes through this domain. We define the financial logic behind each product: how it charges, settles, accounts, and reports. We make sure every launch meets regulatory and financial audit requirements, and we turn one-off needs into reusable platform solutions that the rest of the company builds on. This is a cross-functional role spanning product, system design, financial operations, and platform architecture. It suits you if you want to shape how the financial side of every product is designed, and to see those designs through to robust, best-in-class implementation. What you’ll do: Turn business, product, finance, and regulatory needs into clear system requirements and implementation-ready specifications Define how money and financial data flow end to end across products, partners, and internal systems, from transaction to accounting record Contribute to platform architecture and service interaction design across product services and CoreBank components Work with PMs, engineers, Finance, Compliance, and adjacent teams to define scope, dependencies, and delivery phases Identify the services, integrations, and teams affected by each change Shape and prioritize the team backlog with the product lead Support engineering and QA through implementation, covering edge cases, expected behavior, and incident analysis Keep technical and functional documentation current and usable for engineers and business stakeholders alike What you’ll bring: 3+ years as a Technical PM, System Analyst, or Business Analyst Upper-Intermediate English or higher Ability to break down large business processes into clear technical flows Experience with distributed, service-based architectures Solid API and integration design knowledge (REST, SOAP, gRPC) Strong documentation skills: functional specs, sequence diagrams, state models, API contracts, data models Knowledge of UML, BPMN, or similar notations Strong plus: Fintech, payments, banking, wallets, cards, lending, or ledger/accounting experience Hands-on work with financial transactions, reconciliation, or money movement systems Exposure to regulated environments, such as central bank requirements or e-invoicing ERP integration experience (NetSuite or similar) Product mindset and appetite for broader ownership over time What success looks like: Ambiguous financial, product, or regulatory requirements become clear, scalable platform designs Teams ship changes safely in critical money movement systems Reusable platform capabilities improve consistency across products You grow from owning requirements into shaping the direction of the platform What we offer: Full-time B2B contract Up to 20% tax allowance 22 paid leave days annually Stock options (ESOP) in a fast-scaling, pre-IPO company Flexi benefits you can use for wellness, travel, or learning Work alongside a high-performing, international engineering team in a global fintech unicorn Relocation support is available to our hubs in Armenia, Georgia, Serbia, Portugal, and Spain, including flights, temporary accommodation, and legal setup (if needed).

Location: Riyadh, KSA Workplace: onsite This is a role for a true hunter. We are scaling one of the fastest-moving BNPL platforms in the region, and we are looking for a hungry, self-driven Business Development Executive to take our SME merchant acquisition engine to the next level. This is a 100% outbound sales role — there are no inbound leads and no pre-assigned deals. You'll be set up with the tools and prospect lists to hit the ground running, but building your pipeline from zero is on you. You will own the full sales cycle end-to-end: identifying high-potential SME merchants, opening doors with founders and decision-makers, running consultative discovery, pitching game-changing financial solutions, negotiating commercial terms and driving merchants all the way through onboarding to live activation. If you thrive in a fast-paced, high-growth, entrepreneurial environment, love the thrill of the close, and want real ownership from day one — this is your seat. Key Responsibilities Build the Pipeline — From Zero • Own end-to-end pipeline generation through relentless, self-generated outbound activity. • Use the tools and prospect lists provided as a launchpad — then take the pipeline far beyond them. • Research and map high-potential SME merchants, verticals and micro-markets. • Identify and engage business owners, founders and key decision-makers. • Execute high-volume cold calling, multi-channel outreach, field visits and merchant meetings. • Consistently generate qualified opportunities with zero reliance on inbound or marketing-sourced leads. • Keep the funnel healthy — continuously replenish, qualify and prioritise. • Use CRM and sales data to track your KPIs, read your funnel and sharpen conversion. Sell, Close, Activate • Own opportunities end-to-end: prospect > discovery > pitch > close > onboarding > activation. • Run consultative, value-based discovery with SME owners to uncover real business pain. • Pitch and sell BNPL, LTF and our expanding suite of merchant financial solutions. • Deliver compelling product demos and tailored commercial proposals. • Handle objections with confidence and drive deals to signature. • Stay hands-on until the merchant is fully live and transacting. Commercial & Negotiation • Lead commercial conversations with SME merchants and articulate clear value. • Negotiate within approved commercial frameworks to land win-win outcomes. • Secure the right internal approvals and keep deals moving at pace. • Escalate complex commercial matters appropriately — while retaining full ownership of the opportunity. Cross-Functional Collaboration • Partner closely with Risk, Scoring, Onboarding, Product and Operations. • Understand internal requirements and constraints and work with them, not around them. • Proactively chase down blockers and drive outstanding actions to closure. • Act as the bridge between the merchant and internal stakeholders. • Feed merchant insight and market intelligence back into the business. Merchant Experience & Growth • Support merchants through a smooth, friction-free onboarding journey. • Drive activation and follow up post go-live to ensure adoption. • Spot early issues, capture merchant feedback and route it to the right teams. • Be genuinely merchant-obsessed — the relationship does not end at signature. Product & Market Agility • Become a subject-matter expert on BNPL and LTF. • Ramp fast on new propositions as they launch — including SME Financing and Tabby Card. • Adapt pitch, positioning and messaging as products, processes and market conditions evolve. • Thrive in ambiguity — we are building as we scale. Skills, Knowledge and Expertise • 1–2 years of professional experience in sales, business development or another target-driven commercial role. • Proven outbound sales and prospecting track record — you have personally generated your own pipeline. • Demonstrated ability to create opportunities independently, from a standing start. • Bachelor's degree. • Fluent Arabic and English. • Exceptional communication, presence and interpersonal skills. • Strong commercial acumen and negotiation ability. • Comfortable and energised by a target-driven, high-accountability environment. • Ability to independently own, manage and forecast a pipeline. • Comfortable working with CRM and sales data — tracking KPIs, analysing your funnel and prioritising on evidence (Excel / Google Sheets level) • Grit, resilience, persistence and relentless follow-through. Nice to Have (Not a Deal-Breaker) • B2B or SME sales exposure. • FinTech, BNPL, payments, banking or lending background. • Financial or technology solution selling. • Merchant acquisition or field sales experience. • Track record selling directly to business owners and decision-makers. • CRM proficiency and data-driven pipeline discipline. • Strong Excel / Google Sheets and CRM reporting — pivot tables, dashboards, basic funnel analysis. Benefits We are an international team of inspired professionals located all over the globe. We  have an inclusive company culture, embracing diversity, integrity and transparency. We strive for work-life balance and cherish the moments you spend with your loved ones, off-work. In the same spirit as for our product, we are caring and nurturing for our employees. Our people are granted 100% trust and freedom to apply their own vision and come up with their ideas from day 1 at Tabby. You are the one who takes responsibility for your area of work. We encourage everyone to think and make decisions like Tabby was their own business, well because it is. Our employee stock options programme is available for everyone. You will have an opportunity to learn and grow in one of the fastest growing fin tech companies in the region We offer you relocation support as well as we guide you through all the process. We’ll set you up with the devices required for your work.

Location: Kuwait City, Kuwait Workplace: onsite About Tabby: Tabby is the GCC's leading shopping and payments platform, giving millions of people across Saudi Arabia and the UAE more control in the way they spend, save and earn. Headquartered in Riyadh, we've grown into one of the largest fintech companies to come out of the Arab world, working with +65,000 sellers, from global names like Apple, IKEA, Adidas and Shein to the region's leading retail groups. We're now building a local team on the ground in Kuwait, with a renewed presence in the market coming soon. This is a rare chance to join us at the start of a local launch, shaping how we show up for Kuwaiti shoppers and sellers from day one, backed by the scale, technology and track record we've built across the region. If you want to help us build something significant in Kuwait, backed by proven regional success, we want to hear from you. About the role Tabby is the leading shopping and financial services app in the Middle East — 25M+ users, 65,000+ merchants across Saudi Arabia, the UAE and Kuwait. We're now building our Kuwait team. This is a founding role. As General Manager, you will take Tabby Kuwait from a licensed entity in progress to a fully operating, onshore, regulated business — and then scale it. You'll be the face of Tabby to the Central Bank of Kuwait and to the local banking and merchant ecosystem, with full accountability for standing up the entity, the team and the growth plan from day one. Very few people get to build a regulated consumer finance business in a market from a standing start, with a proven regional platform behind them. This is that opportunity. Key Responsibilities Own the Central Bank of Kuwait relationship end to end — registration and licensing, correspondence, inspections and ongoing supervisory dialogue — as the named accountable executive Stand up Tabby Payments K.S.C.C. as a fully operating local entity, with its own team, compliance, operations and governance Carry full commercial ownership of the Kuwait market: merchant acquisition and retention, bank and payments partnerships, local marketing and customer growth Own the local P&L and market-level economics, operating within group frameworks for product, credit, risk, treasury and legal — and influencing those functions to get what the market needs Build and lead the local team, starting lean and scaling with the business — defining the hiring plan and owning the local cost base Define and sequence the market's product roadmap with group product, bringing Tabby's wider product set into Kuwait as licensing and infrastructure allow — including longer-term financing, card, wallet and payments, and cross-border transfers Represent Tabby externally as the senior leader in-market, with banks, merchants, partners and the regulator Skills, Knowledge and Expertise 10+ years of experience, including at least 3 years in a general management or senior commercial role with full P&L accountability A track record of launching or scaling a regulated financial services, payments or fintech business in a GCC market Direct experience as the named accountable executive in a relationship with a financial regulator — licensing, submissions, examinations or remediation Domain expertise in fintech, consumer lending/BNPL, payments and e-money, or retail banking and cards, including financial regulation and licensing in the GCC (Central Bank of Kuwait experience specifically valued) A proven merchant or B2B commercial track record — building a partner base from a low base, not just managing an existing one Comfort operating in ambiguity with a small team: a builder, not an administrator of an established machine Strong grounding in P&L management and unit economics, regulatory submissions and compliance/AML frameworks, and commercial contracting and partnership negotiation Professional Arabic and English, including the ability to handle Arabic regulatory correspondence Nice to have: Existing relationships with the Central Bank of Kuwait Prior experience inside a high-growth start-up or fintech Exposure to local funding or bank facility relationships

Location: Riyadh, KSA Workplace: onsite About Tabby: Tabby is on a mission to give people power over their money. For too long, financial systems have worked for the institutions that built them, not the people using them. Runaway interest, fine print and limited access have left many behind, feeling shut out of a system that wasn't setting them up for success. We're building a different kind of system—in a complete money app to send, spend and save. One that's clear, flexible and puts people and businesses in control. Founded in 2019, we serve customers and businesses across Saudi Arabia, the United Arab Emirates and Kuwait. Millions of customers and 65,000 global brands, government services and small businesses rely on us today. What began as a better way to pay at checkout has grown into a financial system working the way it should have all along. About the role: We are looking for a Financial Reporting Lead to support finance operations for our Saudi Arabia entity, ensuring accurate financial reporting, regulatory compliance, and strong financial governance. This role will support and oversee statutory reporting, tax compliance, treasury, audits, and internal controls while partnering closely with cross-functional teams to support business growth and new product launches. As a key member of the finance team, you will help strengthen finance processes, maintain compliance with SAMA, ZATCA, SOCPA, and IFRS requirements, and contribute to building a scalable finance function in one of our fastest-growing markets. Key Responsibilities Own and deliver the monthly, quarterly, and annual close for KSA, ensuring accuracy, timeliness (D+3 target), and completeness. Prepare IFRS financial statements with local (SOCPA) adjustments, along with supporting schedules and reconciliations. Apply IFRS (esp. IFRS 9, 15, 16) and SOCPA standards correctly in the financial statements, and keep accounting positions well documented. Prepare and support ZATCA filings (CIT, Zakat, VAT, WHT, CTDF) and SAMA regulatory/prudential returns, ensuring they reconcile to the financial statements. Perform balance-sheet reconciliations and maintain the integrity of the general ledger. Support provisioning and ECL calculations under IFRS 9 for customer and merchant receivables. Support external audits — prepare audit-ready financials with complete documentation and act as a key contact for auditors on reporting matters. Maintain and strengthen internal controls, reconciliations, and segregation of duties across reporting processes. Support treasury and settlement reporting and related reconciliations (bank accounts, merchant settlements). Support intercompany and transfer-pricing reporting in coordination with Group Tax. Drive process improvements and support ERP (Oracle NetSuite) reporting, data integrity, and automation. Mentor and review the work of junior finance team members. Partner cross-functionally with Compliance, Legal, Product, and Operations to support finance readiness for new product launches (wallet, BNPL, cards, remittance, loyalty/cashback). Skills, Knowledge and Expertise 3–5 years of experience in financial reporting, statutory reporting, or external audit, preferably in a fintech, bank, or Big 4 environment. Strong technical knowledge of IFRS (esp. IFRS 9, 15, 16) and SOCPA/local GAAP, with working knowledge of Saudi tax regulations (Zakat, Corporate Income Tax, VAT, Withholding Tax). Hands-on experience preparing IFRS financial statements with local adjustments and running month-end close. Experience supporting statutory audits and regulatory submissions to authorities such as ZATCA and SAMA. Professional qualification (CPA, ACCA, or SOCPA) — qualified or in progress preferred. Advanced Excel skills; ERP experience preferred (Oracle NetSuite is a plus). Strong analytical skills, attention to detail, and an ownership mindset. Fluent in English and Arabic (written and verbal). Job Benefits A working environment that gives you autonomy and responsibility from day one. You should be comfortable with the idea that the quality of your work will influence the shape of your career. Participation in the company’s employee stock options program. Health Insurance Flexi Perks: A monetary benefit that gives you the freedom to use it as you choose—whether for health and well-being, education and professional development or travel needs!

Location: Riyadh, KSA Workplace: onsite BNPL businesses don't run on a single core system — they run on a chain of vendors: KYC providers doing identity checks in milliseconds, bureau data feeding underwriting decisions, processors moving money at checkout, and collections agencies chasing missed payments on our behalf. When any link in that chain fails, it isn't an internal inconvenience — it's a customer who can't check out, a credit decision made on bad data, or a regulator asking why a critical service went down with no warning. As Vendor Risk Manager, you will own our third-party risk program end to end, from the first due diligence questionnaire to the day a vendor is offboarded. You will be the person who can tell leadership, in plain terms, which vendors carry the most risk and why, and you will make sure vendor failures never become customer failures. Key Responsibilities Due Diligence & Onboarding Run due diligence on new vendors before contracts are signed, including financial health checks, SOC 2 / ISO 27001 review, breach history, and subprocessor mapping. Issue a clear risk rating for every prospective vendor, with conditions attached rather than a simple pass or fail, covering KYC, identity verification, fraud detection, credit bureau, payment processing, card issuing, banking, and collections partners. Sit inside the contracting process with Legal and Procurement to secure the terms that matter: audit rights, breach notification windows, data localization commitments, exit assistance clauses, and SLAs tied to real penalties. Risk Assessment & Ongoing Monitoring Own vendor risk assessments across our active third-party portfolio, prioritizing critical and high-risk vendors for annual deep-dive reviews. Build and run tiered monitoring cadences — quarterly for critical vendors such as KYC, payment processing, and banking partners, annual for the rest — tracking control drift, subprocessor changes, and adverse media. Maintain the concentration risk and critical-vendor register, and be ready to explain single points of failure, such as one bureau covering the majority of underwriting volume, and what the contingency plan actually is. Cross-Functional Partnership Work with Product before new vendor integrations go live — you're in the room when a new checkout partner or fraud model vendor is being evaluated, not brought in after the contract is signed. • Prepare vendor risk reporting for the Risk Committee and Board, translating control gaps and incident trends into decisions leadership can act on. Offboarding & Exit Management Manage the offboarding process for exited vendors, confirming data deletion, access revocation, and transition continuity for anything customer-facing. Ensure regulatory and contractual exit obligations are met and documented, particularly for vendors classified as critical or important. Skills, Knowledge & Expertise 3–4 years in third-party risk management, vendor risk, or operational risk, ideally at a payments company, lender, bank, or fintech where vendor failure has direct customer or regulatory consequences. Working knowledge of NIST CSF, ISO 27001, SOC 2, and standardized assessment tools like SIG or CAIQ — you know how to read a SOC 2 report and spot what's missing, not just file it away. Familiarity with the regulatory landscape vendors sit inside: consumer credit rules, data privacy obligations (GDPR/CCPA depending on footprint), PCI-DSS for anything touching card data, and outsourcing/operational resilience expectations for critical third parties. Comfort negotiating directly with vendors — you've pushed back on a processor's standard MSA, gotten a fraud vendor to commit to a real SLA, and know when “our legal team will follow up” means the deal needs to walk. Ability to translate risk findings for people who don't think in risk terms, including explaining to a commercial lead why a cheaper KYC vendor isn't worth the onboarding delay it will cause six months later. Strong analytical skills with the ability to interpret vendor performance and control data to support operational decisions. Excellent communication and interpersonal skills, with the ability to interact effectively across all levels of the organization. Full professional proficiency in English required; Arabic is a plus. Nice to have: Direct BNPL or consumer credit experience — you've worked with bureau data, alternative credit scoring vendors, or collections agencies specifically. Hands-on experience with a GRC platform such as OneTrust, ProcessUnity, or Archer for assessment workflows and vendor inventory. CTPRP, CRISC, CISA, or CISM certification.