The User Policy team at Flutterwave is responsible for establishing, developing and enforcing policies, rules and standards  that govern the use of our products and services , as well as, establishing internal decision making structures that enable us to ensure the integrity of our payments ecosystem. User Policy Strategists will work with cross functional teams including product, engineering, risk strategy, risk partnerships, fraud, compliance, expansion and growth to define the the guardrails that ensures Flutterwave is setting the foundation for how digital payments are able to be used on our platforms and across the regions in which we operate. 

In this role you will: 

• Understand the financial partner, card network and regulatory requirements around each of Flutterwave’s products. 
• Collaborate with key stakeholders (e.g. Product Managers, Engineering, Compliance , Risk Partnerships, Legal, etc) to evaluate the user policy requirements of new products being developed. 
• Design policy frameworks including rules, standards and procedures  for new and or  existing products, merchant categories, and users. 
• Evaluate existing terms of service to ensure they are aligned with our risk management strategies, controls, and partner requirements. 
• Think innovatively about undefined use cases around payments.
• Determine internal policies around onboarding and offboarding of merchants or users. 
• Work with the Transaction Monitoring, compliance and fraud teams to ensure our policies translate into controls and operationalize enforcement processes. 
• Articulate to senior management the impact of the policies you developed to ensure alignment with leadership. 
• Resolve product or financial partner roadblocks through thoughtful policies that drive confidence in Flutterwave’s risk management function. 

Required competencies and skills to be a waver

• 7+ years experience in payments at a card network, an acquiring bank or related payments technology company. 
• Demonstrable proficiency in risk, fraud, trust & safety
• Experience developing policies that govern user behavior 
• Strong project management skills
• Solutions based mindset when working cross functionally across various stakeholders
• Negotiating with product, engineering, sales and legal to ensure alignment.

Within the Risk team, as a Risk Strategist you will serve as the internal consultant to various cross functional teams including product, engineering, partnerships and growth on all topics related to risk and card network rules. The ideal candidate will use their expertise in risk to advise on new product development, prioritization of market expansion, risk management strategies and establishing internal controls. Risk Strategist will develop recommendations that ensure Flutterwave can move rapidly while managing risk in every aspect. 

In this role you will: 

• Collaborate with key stakeholders (e.g. Product Managers, Engineering, Compliance, User Policy, Risk Partnerships, Legal, etc) to evaluate the development of new products and advise on the risk / fraud-related requirements and controls that need to be established to ensure Flutterwave manages product / transaction risk. 
• Establish the risk appetite for both individual products and across Flutterwave’s entire portfolio. 
• Lead ad hoc risk-related projects end-to-end to support market expansion, new products or risk management. 
• Be the internal expert on card network (Visa / Mastercard / Amex / Discover) rules and our acquiring or issuing bank contractual requirements. 
• Conduct research, analyze data and put forth recommendations and proposals that drive decisions on product, risk management and partnerships.  
• Take ownership of undefined bodies of work and create a structured process that allows Flutterwave to move fast in identifying and executing on opportunities. 
• Own the product risk assessment process for rollouts of new products or enhancements. 
• Influence risk / compliance product and engineering roadmaps 

Required competencies and skills to be a waver

• 7+ years experience in payments at a card network, an acquiring bank or related payments technology company. 
• Deep understanding of risk and fraud
• Experience analyzing and interpreting card network rules 
• Strong project management experience
• Solutions based mindset when working cross functionally across various stakeholders
• Negotiating with product, engineering, sales and legal to ensure alignment.