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Payoneer is a global financial platform founded in 2005 that removes friction from cross-border business. The company serves over 2,500 colleagues worldwide and operates in over 190 countries and territories, offering services including global payments, compliance, multi-currency management, workforce management, working capital, and business intelligence.
As a Risk Management Manager based in Guangzhou, you will support Payoneer's payment business in China by identifying, assessing, monitoring, and mitigating risks across cross-border payment activities. You will focus on merchant risk, transaction authenticity, abnormal fund flows, and fraud-related risk while partnering with cross-functional teams to enable responsible, compliant, and well-controlled business growth.
Key responsibilities include:
- Building and continuously enhancing risk management controls for cross-border payment business in China, covering merchant risk, transaction monitoring, fraud risk, and abnormal fund flow scenarios
- Conducting risk assessments for new products, business models, and process changes, providing practical mitigation recommendations
- Monitoring and analyzing key payment risk typologies including transaction splitting, false trade, suspicious or abnormal fund flows, regulatory-sensitive scenarios, and fraud-related activities
- Preparing risk assessment reports, thematic reviews, and risk-event follow-ups; working with cross-functional teams to close control gaps
- Partnering with Compliance, Legal, Product, Technology, Operations, and business teams to ensure local risk controls align with regulatory requirements, global standards, and business needs
Requirements:
- 6+ years of experience in risk management, payment risk, transaction monitoring, or related role within a licensed payment institution
- Bachelor's degree or above in Finance, Risk Management, Law, Accounting, International Trade, or related discipline
- Experience in cross-border payments, cross-border e-commerce, merchant risk, transaction authenticity reviews, or fraud and abnormal transaction monitoring
- Professional certifications such as FRM, CAMS, or equivalent credential (preferred)
- Strong analytical and problem-solving skills, sound judgment, and ability to translate risk findings into practical controls and remediation actions
- Strong communication, ownership, and cross-functional collaboration skills; ability to work independently in fast-paced, global environment
- Good written and spoken English skills
- Ability to balance effective risk management with practical business needs in complex and evolving environment
