Senior Product Owner (Acquisition, KYC/KYB)

About the Position

We are seeking a Senior Product Owner with expertise in KYC/KYB, AML, and regulatory compliance to join our fintech team in Europe, working remotely.

PayDo, a leading Electronic Money Institution (EMI) authorized by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140+ countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, mass payment options, acquiring, open banking, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for modern online businesses.

In this role, you will own the product lifecycle end to end, define and prioritize features, and collaborate with cross-functional teams to ensure timely and high-quality delivery.

Responsibilities

Product Discovery & Delivery

• Own the end-to-end lifecycle of product initiatives from idea to production rollout.
• Translate business goals into clear product requirements, epics, and user stories.
• Prioritize the backlog using impact-based frameworks (value, effort, compliance, risks).
• Define acceptance criteria, ensure requirement clarity, and maintain a clean, structured backlog.

Stakeholder Management

• Work closely with Compliance, Operations, Engineering, Finance, and Customer Support teams.
• Gather business requirements, negotiate priorities, and align expectations across departments.
• Facilitate cross-functional workshops, discovery sessions, and status reviews.
• Clearly communicate product decisions, timelines, and trade-offs to internal and external stakeholders.

Technical & SDLC Collaboration

• Collaborate daily with engineering teams to clarify scope, manage dependencies, and unblock delivery.
• Maintain a deep understanding of SDLC stages and ensure requirements are properly groomed before development.
• Validate technical feasibility with architects and developers; manage risks and constraints.
• Support QA in test case preparation and participate in UAT to ensure product quality.

User Experience & UX Analytics

• Advocate for user-centric product design across customer journeys and internal workflows.
• Review wireframes, prototypes, and UI designs to ensure clarity, usability, and consistency.
• Use UX analytics tools (heatmaps, session recordings, funnel analysis) to identify pain points.
• Translate insights into actionable product improvements and measurable UX outcomes.

Requirements

General

• Minimum 3 years of experience as a Product Owner or in a similar product management role in Fintech, EMI, PSP, or Banking.
• Solid understanding of the fintech ecosystem, industry trends, competitive landscape, and emerging payment technologies, payment schemes, and banking integrations.
• API familiarity (basic ability to read API docs, understanding request-response flows).
• Experience with KYC/KYB, AML, and FinCrime, Case management.

Hard Skills

• Strong expertise in AML / CTF frameworks and regulatory compliance.
• Hands-on experience designing and optimizing KYC / KYB onboarding workflows.
• Deep understanding of Sanctions Screening, PEP Screening, and Adverse Media Screening.
• Experience with Transaction Monitoring systems, AML Rule Engines, and alert management.
• Expertise in Risk Scoring models and customer risk management.
• Experience building and improving Case Management platforms and investigator workflows.
• Strong knowledge of EMI regulatory frameworks, including PSD2, E-Money Directive (EMD), DORA, GDPR, and local licensing requirements.
• Experience integrating third-party compliance providers such as Sumsub, ComplyAdvantage, Elliptic, Chainalysis, or similar solutions.
• Proficiency in SQL and data-driven analysis to measure and optimize AML and compliance processes.
• Ability to translate regulatory requirements into scalable product solutions, including API design, business process modeling, and operational workflows.

Soft Skills

• Ownership mindset with proactive problem-solving.
• Strong communication skills and ability to simplify complex concepts.
• High attention to detail and ability to structure ambiguous inputs.
• Empathy, user-centric mindset, and ability to balance business and tech perspectives.

We Offer

• Annual Learning & Development Budget – invest in your growth with dedicated funds for courses and certifications.
• Regular Performance Reviews Based on KPIs – for your professional advancement.
• Transparent career path – opportunity to reach Lead roles within 1 year, Head roles in 2 years, and C-level in 4 years based on performance.
• Innovation Financial Rewards – share your ideas via PayDo Ideas Hub and earn extra bonuses.
• Public Holidays – aligned with your country’s calendar.
• Flexible payout options – via PE accounts or popular e-wallets.

About the Company

PayDo, a leading Electronic Money Institution (EMI) authorized by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140+ countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, mass payment options, acquiring, open banking, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for modern online businesses.