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VBO Global
Legal and Risk AnalystVBO Global • Cape Town, Western Cape, ZA
Legal and Risk Analyst

Legal and Risk Analyst

VBO Global • Cape Town, Western Cape, ZA
30+ days ago
Job description

VBO Global is a fast-scaling payments and financial technology business operating in a regulated environment. We sit at the intersection of commerce, technology, and risk — where structured governance and merchant transparency are critical to sustainable growth.

As we expand, we are strengthening our risk infrastructure and merchant intelligence capability.

Role Purpose

We are seeking a Legal & Risk Analyst to take ownership of merchant transparency, contractual governance, and KYC risk structure across our 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

Key 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

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.

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Legal and Risk Analyst • Cape Town, Western Cape, ZA

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