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ZEN.COM
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  • Senior Card and PSP Analyst  

    - Cambridge
    ZEN.COM is a smart financial app designed for your everyday life – at... Read More
    ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN.COM, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees. Currently we are seeking a professional to join us as Senior Card Scheme and PSP Analyst worldwide.Requirements:Card scheme costs analysis Analyze the structure of card scheme fees structure (interchange, scheme fees, marketing, implementation and other fees) and revenues (marketing programs and incentives and promotions) Validate invoices against agreements and investigate discrepancies Conduct month on month variance analysis to identify cost drivers and opportunities for optimization  Analyze transactional data to identify negotiation opportunities with the card schemes and merchants Monitor changes in Visa/Mastercard regulations and pricing schedules, assess their impact on costs and revenue side and suggest changes on pricing  Collaborate with Product, Finance, Partnership and Compliance teams to implement cost/ revenues optimization strategies. Analyze transactional data to identify areas for negotiation with the card schemes Partner with the Pricing manager for Pricing incentives and strategies Perform scenario modelling for pricing adjustments and incentive optimization to support profitability targets   Card scheme incentives Analyze the structure of card scheme incentives (marketing programs and incentives and promotions)  Participate in strategic projects related to the card (e.g., new card product launches, pricing adjustments, incentives, etc. ). Work closely with Scheme cards Relationship managers for review of agreements, plans and commitments, track and report actual performance vs commitment, with providing options and scenarios for optimization   Other  PSPs cost analysis and validation of monthly cost  Support negotiation with insightful analysis of cost and areas for optimization Perform PSPs business performance analysis and variance analysis of PSP vs PSP Partner with Pricing Manager and Sales team to optimize pricing strategies and incentives for merchants  Responsibilities:Requirements  Experience in financial analysis or payments industry (preferably in fintech or banking). Understanding of card scheme operations (Visa, Mastercard). Strong analytical skills and attention to detail. Proficiency in working with large datasets (Excel, BI tools). Expert to proficient on SQL English proficiency (B2/C1 level).   Nice to Have Experience in negotiations with payment service providers.  Familiarity with data visualization tools (Power BI, PowerPoint)). What we offer: Real influence on shaping the ZEN.COM. Work in an environment where innovation and effectiveness truly matter. Competitive salary and flexible working conditions. Private medical healthcare.Internal and external training opportunities.   If you want to have a real impact on the experience of thousands of users and work with committed teams in an environment that values ownership, transparency, and pace – apply today! Read Less
  • About ZEN.COM ZEN.COM is a smart financial app designed for your every... Read More
    About ZEN.COM ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees. About the Role We are looking for a Product Owner to take full ownership of our financial crime and fraud management ecosystem. Rather than building new tools from scratch, your mission will be to ensure we get the maximum value out of existing, best-in-class off-the-shelf solutions – orchestrating their configuration, integration, and usage to improve approval rates, reduce fraud losses, and deliver a smooth customer experience.
    This role sits at the intersection of product, risk, data, operations, and engineering — you will shape solutions that prevent fraud and financial crime while supporting business growth and regulatory compliance. Key Responsibilities Product Ownership & Strategy
    • Own the end-to-end fincrime and fraud prevention capability stack across the customer and transaction lifecycle.
    • Contribute to the product strategy and roadmap for fincrime/fraud tooling utilisation, configuration, and integration — focusing on orchestration rather than tool development and maintenance.
    • Continuously evaluate whether we are using vendor capabilities to their full potential. Vendor & Ecosystem Management
    • Lead interactions with internal engineering teams to ensure correct integration and usage of fincrime and fraud prevention tools.
    • Design and implement internal capabilities that enable efficient orchestration of external tools.
    • Drive alignment on vendor usage across fincrime and fraud stakeholders, ensuring configurations reflect business strategy and regulatory obligations.
    • Ensure different tools communicate effectively to create a unified, consistent risk ecosystem. Performance Optimization
    • Monitor KPIs such as approval rates, false positive rates, customer friction, operational workload, fraud losses, and AML case handling efficiency.
    • Identify performance trends, anomalies, and optimization opportunities using data insights and feedback.
    • Translate analytical findings into actionable changes — from configuration updates to policy refinements.
    • Collaborate with risk strategy and operations teams to evaluate the impact of tuning and policy changes.
    • Prioritize and manage a backlog of performance improvement initiatives in line with overall FinCrime strategy. Cross-functional Collaboration
    • Partner with engineering to ensure smooth vendor integrations and maintenance.
    • Collaborate with legal and compliance teams on regulatory requirements and audit readiness.
    • Support fraud operations, AML analysts, and customer support teams to improve workflows and reduce manual tasks.   What We’re Looking For 4+ years in product ownership, product strategy, or risk/fraud management within fintech, e-money institutions, payments, or banking. Strong exposure to AML/KYC, fraud management, or transaction monitoring tools. Experience working with vendors and third-party SaaS risk platforms. Product thinking – able to translate risk and compliance requirements into measurable outcomes. Analytical mindset – confident interpreting data to drive decisions. Familiarity with fraud prevention, transaction monitoring, or AML case management systems. Systems thinking – understands how tools interconnect to form a complete fraud and fincrime defense layer. Excellent communication skills – able to collaborate effectively across product, operations, and compliance. Outcome-focused – balancing protection with a great customer experience.   What We Offer Fully remote work – from anywhere in the UK or EU. Full-time cooperation (employment contract or B2B). Stable, long-term collaboration in a growing international fintech company. Real opportunities for professional growth and promotion. Employee referral bonuses. Regular team meetings and company events. Premium plan in the ZEN.COM app. All necessary equipment shipped directly to you.   Apply now and let’s grow together with ZEN.COM. Read Less
  • Senior Business Development Manager (United Kingdom/Remote)  

    - London
    ZEN.COM is an all-in-one payment platform empowering merchants with se... Read More
    ZEN.COM is an all-in-one payment platform empowering merchants with seamless acquiring, local payment methods, multicurrency accounts, and innovative payout solutions. We work with fast-growing digital brands across Europe, simplifying payments so that they can focus on scaling their business.

    We are looking for an experienced Senior Enterprise Sales Manager to join our expanding European team. You will be responsible for driving new business acquisition and revenue growth within the Digital Goods and Online Services vertical. Your mission: bring ZEN’s cutting-edge payment solutions to forward-thinking merchants across Europe. This role is ideal for a highly motivated, results-oriented sales professional with a proven record in enterprise-level payment sales.

     Key Responsibilities:

    - Business Development & Prospecting: Identify, qualify, and engage high-potential merchants across the Benelux region and wider EU markets.
    - Solution Selling: Understand merchant payment flows, operational needs, and cross-border challenges; tailor ZEN’s offering to fit.
    - End-to-End Sales Cycle Management: Lead commercial negotiations from first contact to signed contract, coordinating with legal, compliance, and product teams.
    - Relationship Building: Build long-term strategic partnerships with clients and continuously expand share of wallet.
    - Market Intelligence: Track trends in the payments and e-commerce ecosystem to identify emerging opportunities and competitive insights.
    - Collaboration: Work closely with Product, Partnerships, and Marketing to refine ZEN’s GTM strategy and ensure consistent messaging.

    What We’re Looking For: 

    - 5+ years of B2B sales experience in fintech or payments (merchant acquiring, gateways, PSPs, or local APMs).
    - Proven track record in closing enterprise-level deals with e-commerce merchants (experience in Digital Goods, SaaS, or Subscriptions verticals strongly preferred).
    - Solid understanding of the European payments landscape (card acquiring, APMs, wallets, SEPA, etc.).
    - Native English, additional language(s) are a strong plus. 
    - Strong network of merchants and partners in the digital payments space. - Hunter mindset, self-driven, and comfortable with consultative solution selling. 
    - Excellent communication and presentation skills.
    - Competitive, target-driven, and team-oriented personality (sports or competition hobbies are always a plus!).

    What We Offer: 

    - Competitive base salary plus uncapped commission structure.
    - Flexible remote/hybrid working model.
    - Opportunity to represent a fast-scaling global fintech with strong regulatory infrastructure and proprietary technology.
    - A growth path within an international organization. Read Less
  • Financial Crime Analyst  

    - London
    Join ZEN.COM-  Make a Real Impact in Financial Crime Prevention Tired... Read More
    Join ZEN.COM-  Make a Real Impact in Financial Crime Prevention Tired of the corporate grind? Ready to make a real difference? At ZEN.COM we’re on a mission to reshape the future of finance - and we want you to be a part of it. 
    Join a purpose-driven team where your ideas matter, your work has impact, and your growth is supported every step of the way.
    About Us ZEN.COM  is a rapidly growing fintech company providing smart, secure, and user-friendly financial solutions to individuals and businesses in over 30 countries. 
    Our services are designed to make managing money effortless- whether you're shopping online or running a company. As we scale, we're expanding our Risk Services Department and looking for a passionate, driven Financial Crime Analyst to help us stay ahead in the fight against financial crime. Please note: To be considered for this role, you must be currently residing in the United Kingdom. About the Role and the Team You'll join a team of almost 40 talented, curious, and mission-driven professionals dedicated to detecting and preventing financial crime. 
    We value collaboration, clear communication, and continuous learning. At ZEN.COM, your work won’t disappear into a black hole — you’ll see the real-time impact of your decisions on our clients, our systems, and our company. As a Financial Crime Analyst, you will: Investigate clients flagged for suspicious activity (AML/CTF/Fraud, Sanctions, PEP lists) Monitor real-time transactions and respond to system alerts Analyze customer behavior in the ZEN app, identifying fraud patterns and unusual activity Assess risk based on findings and escalate high-risk activity for further investigation Make informed decisions supported by company policies and thorough analysis Help fine-tune and optimize our AML and fraud detection systems Identify opportunities to improve processes and enhance operational efficiency Collaborate closely with Compliance, Systems, and Operations teams What We’re Looking For: At least 1 year of experience in finance or banking, with essential knowledge of AML/KYC Strong analytical and research skills, with the ability to identify trends and assess risk Customer-focused mindset with strong service orientation A solid understanding of financial crime typologies and red flags Excellent time management skills and adaptability in a dynamic environment A proactive, team-oriented attitude with the ability to work independently Willingness to work on a rotating schedule Current residence in the United Kingdom is required What We Offer: A fast, transparent recruitment process Flexible working model- remote or hybrid options available Opportunities for professional development and career growth A supportive, collaborative environment where your voice is heard   Ready to make an impact? Apply now! Read Less
  • Senior FX Manager  

    - London
    ZEN.COM is a smart financial app designed for your everyday life – at... Read More
    ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees.   About the role  The Senior FX Manager will be a critical leader in our Commercial Finance, Treasury and Product teams, responsible for the strategic analysis, pricing, and execution of our Foreign Exchange and cross-border payment offerings. This role requires a blend of deep market expertise, strong analytical skills, and proven leadership ability drive critical and optimized business decisions. Key Responsibilities FX Strategy & Analytics FX Pricing & Profitability: Own the end-to-end FX pricing strategy for retail and business products (multi-currency accounts, payments, and in-app exchange), ensuring competitiveness, compliance, and optimal margin capture. This includes setting dynamic spreads and developing tiered pricing structures based on customer segmentation and market conditions. Customer Behavior & Needs Analysis (Strengthened Focus): Deep Customer Segmentation: Conduct granular analysis of the existing customer base (both consumer and business) to understand FX consumption patterns, frequency, average volume, and preferred exchange corridors. Behavioral Modeling: Utilize data to model and predict future FX needs and behavioral triggers (e.g., wallet top-ups, international commerce payments) to inform proactive liquidity positioning and optimize customer-facing exchange rates. Pricing Elasticity: Analyze the price sensitivity of different customer segments to FX spreads and fees to drive volume growth while maximizing profit. Market Analysis & Insights: Conduct deep-dive analysis on global macroeconomic trends, central bank policies, and market liquidity to generate actionable insights and forecasting models for proprietary risk management and product development. Present concise daily market updates to internal trading and product teams. Hedge Management: Develop and execute advanced hedging strategies (e.g., limit orders, forwards, NDFs, options) to mitigate currency risk exposure across ZEN's balance sheet and operational cash flows. Oversee the calculation of FX exposure and manage counterparty relationships for execution. System Optimization: Work closely with engineering and product teams to enhance and automate our internal FX trading and settlement infrastructure, ensuring best-in-class execution, minimal slippage, and efficient straight-through processing (STP). Act as the FX SME for the implementation of new trading algorithms or liquidity connectors. Reporting & Governance: Design, produce, and present detailed FX performance reports to senior management, highlighting revenue drivers, cost of funds, hedging effectiveness, and adherence to risk limits. Cross-Functional & Product Collaboration (Strengthened Focus): Serve as the primary FX subject matter expert (SME) for critical cross-functional teams. Customer-Centric Product Design: Proactively use insights derived from customer FX behavior analysis to inform and champion the development of new multi-currency product features, new payment corridors, and improved in-app exchange experiences that directly address expressed customer needs. Translate complex regulatory or market dynamics into clear, actionable requirements and business specifications for product development. Regulatory Liaison: Stay abreast of evolving global FX regulations (e.g., T+1, MiFID II, PSD2, local payment regulations) and collaborate with the Compliance Officer to ensure ZEN’s FX activities remain fully compliant across all operating jurisdictions. Counterparty Relationship Management: Manage and monitor relationships with Liquidity Providers (LPs) and banking partners, evaluating their pricing quality, execution reliability, and credit lines to ensure ZEN has the most efficient access to the FX market. Required Qualifications & Skills Experience: Minimum 5-7 years of direct experience in FX analysis, Treasury, or a quantitative FX trading role, with at least 2 years in a managerial or senior lead position, preferably within a fintech, neobank, or e-money institution. Education: Bachelor’s degree in Finance, Economics, Quantitative Analysis, or a related field. An advanced degree (Master’s) or a professional certification (e.g., CFA, FRM, or Ariel Certification in Quantitative Finance) is highly advantageous. Technical Expertise: Expert proficiency in data analysis tools, specifically SQL for data extraction and modeling. Demonstrable experience building and maintaining quantitative models for FX pricing, forecasting, or risk measurement (Python or R proficiency is a significant plus). In-depth knowledge of FX execution platforms, including best execution principles, matching engines, and API connectivity. Fintech Acumen: Deep understanding of the payments and cross-border FX ecosystem, including liquidity management, FX pricing methodologies, and the application of technology (API integration, cloud infrastructure) in a regulated environment. Communication: Exceptional analytical report writing and presentation skills, with the ability to clearly articulate complex financial concepts and customer-derived insights to executive stakeholders and technical teams.     Read Less
  • Chief Accountant  

    - Reading
      About ZEN.COM ZEN.COM is a smart financial app designed for your eve... Read More
      About ZEN.COM ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees. About the Role We are seeking a Senior Financial Reporting Accountant to join ZEN.COM and play a key role in strengthening our finance function. This position is ideal for an ambitious, technically strong accountant who is ready to grow into a Financial Controller / Chief Accountant role. You will be responsible for managing day-to-day accounting, delivering accurate and timely financial reporting, and ensuring robust internal controls and compliance. You’ll also partner closely with product teams on new launches and support the CFO with statutory and audit requirements. Key Responsibilities Manage and oversee bookkeeping, accounting schemes, and reconciliations. Deliver accurate monthly, quarterly, and annual financial reporting. Lead and support a small finance team, ensuring strong processes and controls. Oversee payroll, expenses, intercompany accounting, and foreign currency transactions. Support annual statutory accounts preparation and external audit. Ensure compliance with VAT, corporation tax, and regulatory reporting. Develop and implement finance policies and procedures across the business. About You Essential Skills & Experience CCAB qualified (or equivalent) with strong post-qualification experience. Solid knowledge of UK GAAP and statutory reporting. Experience managing external audits and consolidated accounts. Strong financial analysis and problem-solving skills. Advanced Excel skills; proficient in Outlook and Word. Proven ability to manage and develop a finance team. Excellent communication, organisational, and interpersonal skills. Desirable Experience in financial services or international organisations. Exposure to multi-currency accounting. Experience with new system implementation and/or remote team training. Personal Qualities Detail-oriented, organised, and proactive. Strong team player with the ability to work independently. Flexible, adaptable, and comfortable working across different cultures and time zones. Customer-service focus and alignment with ZEN’s mission and values. Why Work for Us At ZEN.COM, we believe in creating an environment where our people can thrive. Joining us means you’ll benefit from: 🌍 International exposure — work with colleagues and partners across multiple countries. 🕒 Flexible hours — balance work and life effectively. 🏡 Remote work options — the freedom to work where you are most productive. 🚀 Growth opportunities — clear career progression, including the path to Financial Controller / Chief Accountant. What We Offer A clear progression path to Financial Controller / Chief Accountant. Opportunity to shape the finance function in a growing international business. Collaborative, supportive team environment. Competitive salary and benefits package. How to Apply:
    If you are a qualified accountant looking for your next step towards leadership, we’d love to hear from you. Apply now and grow your career with ZEN.COM. Read Less
  • Content Localization Expert with English (GB)  

    About Us  ZEN.COM is a rapidly growing fintech company providing s... Read More
    About Us  ZEN.COM is a rapidly growing fintech company providing smart, secure, and user-friendly financial solutions to individuals and businesses globally.
    Our services are designed to make managing money effortless—whether you're shopping online or running a company.    Who We’re Looking for  We’re looking for Content Localization Experts with native English (GB). 
    As ZEN.COM continues to grow globally, our goal is to create localized, culturally resonant, and user-centric content that meets the expectations of our international users. This role is crucial to ensuring that every product experience—from mobile interfaces to support articles—feels natural, accessible, and trustworthy in every market we serve.  If you’re passionate about language, user experience, and technology, and want to shape meaningful digital journeys across cultures, we’d love to hear from you.    Key Responsibilities  Localize and adapt product, marketing, and customer support content from English into target languages, ensuring accurate meaning, appropriate tone, and contextual relevance for each market.  Write clear, concise, and user-centric content for mobile and web interfaces, including microcopy, system messages, calls to action, tooltips, onboarding flows, and error messages, in line with UX writing and accessibility best practices.  Optimize content to drive conversions by crafting effective messaging for key user journeys. Support A/B testing initiatives and apply insights from performance data to improve communication touchpoints.  Review and edit translated content to maintain linguistic quality, consistency, and clarity in accordance with brand voice and tone guidelines.  Create direct user communications such as push notifications, in-app messages, transactional emails, Help Centre articles, and chatbot responses, ensuring consistency across all customer-facing channels.  Collaborate with localization teams, product managers, marketers, designers, and engineers to resolve linguistic challenges and continuously improve localization tools, workflows, and content processes.  Leverage AI-powered tools (e.g., generative language models, LLM-enhanced TMS platforms) to support translation, editing, and content ideation processes, ensuring efficiency without compromising quality.  Evaluate and fine-tune AI-generated content for tone, brand alignment, cultural relevance, and linguistic accuracy in the target market.  Identify opportunities to automate repetitive localization tasks (e.g., glossary checks, quality assurance) using AI-based solutions and collaborate with engineering to integrate these into the content pipeline.  Develop, maintain, and document linguistic assets such as glossaries, style guides, terminology libraries, and prompt templates for content generation workflows.    Key Requirements  Native-level proficiency in English (GB) Excellent writing and editing skills with the ability to adapt tone, style, and voice for different contexts. A deep understanding of linguistic and cultural nuances is essential to ensure content resonates locally.  Proven experience in translation or localization of digital content.  At least 2–3 years of hands-on experience in localization, translation, UX writing, or content creation within digital products, including mobile apps, web platforms, emails, or user-facing system messages.  Familiarity with CAT tools, TMS platforms, and localization workflows.  Solid working knowledge of tools such as Localize. Understanding of translation memory, terminology management, and quality assurance processes.  Strong UX awareness and ability to write user-focused content.  Experience crafting microcopy, CTAs, onboarding flows, error messages, and other UX components. Content should guide, inform, and empower users while aligning with design and product goals.  Demonstrated ability to work with AI-supported content tools (e.g., ChatGPT, Deeply Write, Writer, Jasper) and assess when to augment, rewrite, or discard AI-generated content.  Comfortable with adapting AI prompt engineering techniques to enhance consistency, tone, and productivity across localized assets.  Attention to detail and ability to collaborate in cross-functional teams. High level of linguistic accuracy and consistency. Comfortable working with product managers, designers, marketers, and engineers in a fast-paced, international environment.    Portfolio Requirement  Please include a portfolio or selected writing samples featuring mobile UX microcopy—such as onboarding flows, CTAs, tooltips, empty states, and error messages. We’re especially interested in examples where you’ve iterated content using AI tools or tested multiple content variants.    Why Join ZEN.COM?  ✅ Join a fast-paced and innovative fintech environment 
     ✅ Be part of a collaborative and mission-driven team 
     ✅ Work on impactful projects with global reach 
     ✅ Enjoy opportunities for professional growth and development 
     ✅ Work remotely worldwide     Read Less
  • Onboarding Analyst  

    Are you looking for an opportunity to work in rapidly growing startup... Read More
    Are you looking for an opportunity to work in rapidly growing startup that does meaningful work? Or maybe you’re tired of the mundane cubicle jobs and want to join a friendly, passionate team with limitless potential? If so, we may be the business for you! We are looking for Onboarding Analyst to work close our Digital Onboarding department in UK. If you have:  Experience in AML / KYC / KYB in the banking / financial industry Minimum one year of experience in conducting CDD/EDD for legal entities from different countries Ability to multitask and finalize orders in a timely manner while maintaining the highest quality standards Strong analytical skills to understand and interpret trends and data Interpersonal skills and the ability to build and maintain relationships Time management skills Flexibility in the hierarchy of tasks Constant striving to be better, maintaining high productivity and creativity Focus on achieving goals Willingness to work in a shifts system   Your daily duties will be:  Conducting AML / KYC / KYB due diligence on various types of clients with different legal structures in all jurisdictions Following AML strategies and procedures Working on internal and external databases Verification of customer databases using tools supporting anti-money laundering process Close cooperation with customer service department and other departments responsible for customer integration Participation in the preparation of internal procedures and processes in the company in terms of compliance with internal and external regulations regarding money laundering and other illegal activities through online transactions   We offer: Future career opportunities with international exposure A supportive and diverse environment that allows our employees to thrive and learn Internal and external trainings   Read Less

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Astrid-Lindgren-Weg 12 38229 Salzgitter Germany