Senior Onboarding Analyst

We are xpate — a Riga-born fintech building smart payment and banking infrastructure to connect the fragmented payments industry.

Your role at xpate:
As a Senior Onboarding Analyst, you will play a critical role in shaping how merchants join xpate's ecosystem. You will ensure that every onboarding journey is compliant, efficient, and aligned with scheme and regulatory expectations. You will combine analytical skill, risk awareness, and strong judgment to evaluate merchants, guide analysts, and support continuous improvement of onboarding processes.

Your expertise will directly contribute to xpate's growth by enabling safe, scalable customer acquisition and maintaining the integrity of our payments environment.

Onboarding Execution

• Own and execute the full cycle of merchant onboarding and due diligence.
• Perform KYB/KYC/AML checks in line with internal procedures, regulatory requirements, and scheme rules.
• Conduct underwriting assessments, including document reviews, financial analysis, website checks, and risk scoring.
• Monitor adherence to internal SLAs for onboarding cycle time.
• Act as the first escalation point for complex cases, providing pragmatic solutions.

Compliance & Scheme Alignment

• Ensure customers' documents, websites, products, and services comply with Visa and Mastercard requirements.
• Apply knowledge of scheme risk appetite and rules in day-to-day onboarding decisions.
• Suggest and implement risk mitigation measures in collaboration with fraud prevention and transaction monitoring teams.

Process & Improvement

• Support the Onboarding Lead in rolling out new onboarding processes and frameworks.
• Draft and maintain SOPs, checklists, and internal guidelines for consistent execution.
• Identify process gaps and inefficiencies, recommend corrective measures, and assist with automation initiatives.
• Contribute to building a central source of risk settings (e.g., open/blocked countries, MCC policies).

Team Contribution & Leadership

• Provide guidance and mentoring to onboarding analysts to raise team capability.
• Deliver targeted training to strengthen AML/CTF awareness and underwriting consistency.
• Promote a culture of accountability, collaboration, and continuous improvement.
• Prepare reports on onboarding performance, risks identified, and recommended improvements for management.

We're ready to meet you, if…

• 3–5 years of experience in merchant onboarding, underwriting, AML/CTF, risk assessment, or compliance in payments, fintech, banks, or PSPs.
• Hands-on experience with KYB/KYC verification, due diligence, and AML risk assessment.
• Practical knowledge of Visa and Mastercard scheme rules, including risk appetite, high-risk MCCs, prohibited/limited categories, and document standards.
• Experience performing financial analysis, identifying suspicious activity, and conducting enhanced due diligence for high-risk merchants.
• Strong familiarity with fraud trends, transaction monitoring principles, and risk indicators within e-commerce and card-not-present environments.

What working at xpate looks like:

• A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker.
• Enjoy flexible working hours, hybrid work options, private health insurance and generous paid time off giving you the balance you need to perform at your best.
• Apple hardware and modern work tools to support your workflow.
• Extra personal time off for rest and recharge:12 additional days per year, plus your birthday off.
• Private health insurance and wellness benefits.
• Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem.

Why join xpate?
We're building the financial backbone of the future — where payments move freely and businesses grow without barriers. If you want real impact, freedom to innovate, and work that drives change,
xpate is the place for you
.

About Us
xpate's story

xpate is an all-in-one money management platform built for businesses, fintechs, and regulated industries. Born in Riga and now spreading around the globe, xpate helps digital businesses pay, get paid, and keep money flowing seamlessly and securely across borders, industries, and technologies.