Legal & Risk Analyst (Fintech/URL Risk)

Our client is a fast-scaling payments and financial technology business operating in a regulated environment. They sit at the intersection of commerce, technology, and risk — where structured governance and merchant transparency are critical to sustainable growth. As they expand, we are strengthening our risk infrastructure and merchant intelligence capability.

 

Role Overview

Our client is seeking a Legal & Risk Analyst to take ownership of merchant transparency, contractual governance, and KYC risk structure across their portfolio. This role is suited to a commercially aware risk professional with 3–6 years’ fintech or payments experience who can think in systems, exercise independent judgment, and improve operational processes over time.

This is not a checklist compliance role. It is operational risk intelligence inside a live payments business.

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Job Type: Full-Time

Location: Cape Town

Workplace: Onsite

Requirements

• 3–6 years’ experience within payments, PSP, acquiring, EMI, fintech, or regulated financial services.
• Direct operational experience in merchant onboarding, underwriting, or risk assessment.
• Proven hands-on experience reviewing merchant websites as part of onboarding and risk evaluation.
• Experience conducting enhanced due diligence and analysing corporate ownership structures.
• Exposure to aggregator or marketplace models.
• Experience reviewing commercial agreements.
• Ability to make structured first-line risk decisions within defined guardrails.
• Applications without payments or fintech operational experience will not be considered.

Responsibilities

• Own and maintain a master repository of all merchant URLs, domains, subdomains, redirects, and app links.
• Map aggregator and sub-merchant structures to ensure full traffic transparency.
• Monitor declared vs undeclared activity and maintain merchant risk classifications.
• Ensure the business can clearly identify at any time who is sending traffic, from which URL, and under which structure.
• Conduct structured merchant website reviews during onboarding and periodically thereafter, analysing business models, checkout flows, disclosures, refund policies, and activity alignment.
• Identify potential misrepresentation or undeclared activity and escalate where required.
• Review and amend merchant agreements in line with commercial terms and maintain deviation logs.
• Conduct enhanced due diligence on ownership structures and related entities.
• Maintain structured KYC/KYB stacks, expiry tracking, and waiver documentation.
• Strengthen onboarding workflows and introduce process improvements and automation where appropriate