Payments & Risk Analyst

About the role

Harbour Payments Group Ltd is a Malta-based payments operations and risk services provider working with clients across iGaming, fintech and e-commerce sectors. The company operates from modern offices in the Sliema/Grira corridor and provides a collaborative environment where compliance and operational excellence are priorities.

The Payments & Risk Analyst will be part of the Payments & Risk team, reporting to the Risk Operations Manager. You will monitor payment flows, investigate suspicious activity, manage chargebacks and disputes, and work closely with PSPs, acquiring banks and internal compliance teams. The role combines analytical work (data review, reporting, rule tuning) with stakeholder communication and process improvement.

This is an excellent role for someone with 2+ years' payments or fraud experience who wants exposure to multiple payment rails and AML/KYC processes. The position offers hybrid working, structured training in risk tools and an opportunity to progress into senior risk or payments operations roles within a stable Maltese employer.

About Harbour Payments Group Ltd

Harbour Payments Group Ltd is a mid-sized Maltese payments and risk operations provider serving international clients in iGaming, fintech and retail. The company combines local compliance expertise with modern payment technologies and focuses on low staff turnover and professional development.

What you can expect

• Hybrid working model with modern seafront office
• Training budget and certification support (AML, payments)
• Competitive performance-related bonus
• Clear career progression into senior risk or operations roles

Key responsibilities

• Monitor daily payment and transaction feeds across card, e-wallet and bank transfer rails for suspicious or anomalous activity
• Investigate alerts originating from fraud-detection systems and manually review flagged transactions
• Manage chargebacks, disputes and refunds lifecycle including documentation and communications with acquiring banks and PSPs
• Perform transaction reconciliations and resolve settlement discrepancies with finance and payments teams
• Support KYC/KYB and AML investigations by gathering and validating client and transaction information
• Maintain and tune rule sets and thresholds in transaction monitoring tools to reduce false positives while retaining detection coverage
• Produce regular operational and risk reports for stakeholders and assist with ad-hoc analysis
• Escalate critical incidents and participate in post-incident reviews and remediation planning

Requirements

• Minimum 2 years' experience in payments operations, fraud detection or financial risk (payments industry experience preferred)
• Strong numeracy and analytical skills; experience working with large transaction datasets
• Proficiency in Excel (pivot tables, vlookups) and basic SQL or experience extracting data from BI tools
• Familiarity with payment flows, card acquiring, PSPs and chargeback processes
• Understanding of AML/KYC concepts and regulatory obligations relevant to Malta / EU
• Excellent written and spoken English; Maltese language skills are an advantage
• Right to work in Malta (candidates must be able to legally work in Malta)
• Attention to detail, good communication skills and the ability to handle sensitive information discreetly

How to apply

Send your CV and a short cover note stating your notice period and salary expectations to the contact email below or apply via the company careers page.