Zepz Pay

Title: Lead Analyst, Fraud Strategy Location: Remote - UK Department: Product Job Description: Description Join Zepz: Breaking Down Borders, Together Our Meaningful Mission At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech. Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections. Who You'll Be Joining We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk. Our Core Commitments — What We Live By Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact: - Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other. - Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering. - Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve. Perks of Joining Our Team We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance. Our remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel About the role and team We're looking for a talented fraud analyst to help us in our fight against fraud. This role will sit in the Fraud Intelligence team, responsible for fraud identification, mitigation and prevention. Working together with Product, Commercial Managers, Engineering and Data Science teams, the analyst will work to spot the latest fraud trends and drive impactful fraud prevention solutions whilst ensuring a seamless journey for our customers. On the technical side, you will be working with a wide variety of technologies, datasets and techniques to drive meaningful insights and material improvements. What you bring to the table We are looking for an experienced, driven and curious fraud analytics professional to hit the ground running in our fight against fraudsters. Here’s what you will bring to the table: - 5+ years in payment fraud analytics (or data analysis / data science with meaningful experience in the fraud and financial crime prevention space) in financial services or fintech. - High proficiency in SQL and data analysis, able to produce high quality actionable insights, visualisations and analysis from large complex datasets. - Deep understanding of chargeback prevention from the merchant perspective, and the tools and techniques available to help with this (device profiling, behavioral profiling, machine learning), - Exceptional communication skills, able to engage productively with stakeholders at all levels across the organization and able to produce high quality written analysis understandable by wide, sometimes non-technical audiences. - An ability to see the bigger picture: a problem solving approach that gets to the underlying business questions, using a variety of data sources and information. - The ability to translate a problem into an actionable plan. - Comfortable with balancing multiple priorities, working to a fast tempo and adapting to the needs of the business. What you will focus on Reporting to the Fraud Intelligence Senior Manager, you will: - Work in a collaborative and cross-functional way to identify, quantify and make data driven business decisions to reduce our exposure to fraud. - Champion the use of data to optimise the way we combat fraud in the business. - Work collaboratively with a wide range of stakeholders across the entire business to prioritise and translate compliance and business requirements into innovative solutions. - Identify opportunities for improvement through data analysis, AB testing, tracking, and the creation of self-serve tools. - Present results back to the business in a structured, data-driven manner - simplifying complex concepts for non-technical audiences. - Make significant changes to the way that the function and team operate on a regular basis. You will see and feel the impact of your work on the business regularly. Bonus Points Experience in Financial Crime compliance (Transaction Monitoring). - Experience in fraud prevention on stored value products (eg current accounts or wallets) and/ or credit facilities. - Experience in Python for data analytics, scripting or machine learning. If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join. Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world. Ready to Apply? Let’s Go.

Title: Payroll & Benefits Specialist Location: Remote - UK Department: People Job Description: Description Join Zepz: Breaking Down Borders, Together Our Meaningful Mission At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech.Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections. Who You'll Be Joining We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk. Our Core Commitments — What We Live By Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact: - Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other. - Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering. - Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve. Perks of Joining Our Team We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performanceOur remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave, great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel About the Role We are looking for a detail-driven Payroll & Benefits Specialist to join a lean, high-performing People Operations team. Reporting to the Payroll Lead, you will own the day-to-day execution of payroll across the UK and additional European countries — ensuring every employee is paid accurately and on time, every cycle. This is a role for someone who thrives in ambiguity, takes full ownership of their work, and does not need hand-holding to deliver. You will operate autonomously within a remote-first, fintech environment and be expected to bring structured thinking, regulatory knowledge, and a continuous-improvement mindset to everything you do. What to Expect - Process accurate, timely payrolls for UK and European employees across multiple pay cycles and jurisdictions - Manage all payroll events end-to-end: new starter onboarding, leavers, salary changes, promotions, and benefit deductions - Act as the first point of contact for payroll queries from employees and internal stakeholders, resolving issues promptly and professionally - Ensure correct integration between payroll, HR, and finance platforms — flagging data gaps proactively - Supporting the existing payroll team to resolve issues and answer queries from the employee population Reporting & Reconciliation - Produce payroll journals and reports for Accounting and Treasury on schedule - Reconcile payroll data each cycle, investigating and resolving discrepancies before sign-off - Ensure payroll accounts are funded accurately and on time, in line with internal financial controls Regulatory Compliance - Complete all statutory filings and regulatory submissions across UK and European payrolls (e.g. RTI, P60s, country-specific social security filings) in conjunction with our payroll processor - Stay current on payroll legislation changes across relevant jurisdictions — particularly where they intersect with financial services regulation - Maintain accurate payroll records in line with data retention policies and security standards Controls & Governance - Follow and help maintain payroll policies and procedures, flagging gaps or risks to the Payroll Lead and Head of People Operations - Support internal and external payroll audits, providing accurate records and clear documentation - Apply strong data hygiene and access controls in line with our financial security standards Process Improvement - Identify recurring issues or inefficiencies in existing payroll workflows and propose practical solutions - Support automation and tooling initiatives to reduce manual effort and increase accuracy - Contribute to a culture of continuous improvement — raising problems with solutions, not just flags What We're Looking For Essential - Proven experience processing UK payroll end-to-end, including statutory compliance (RTI, auto-enrolment, statutory payments) - Hands-on experience with at least one additional European payroll jurisdiction (e.g. France, Germany, Belgium) - Confident working remotely and autonomously — manage deadlines and proactively communicate blockers - Strong attention to detail and numerical accuracy; you check your own work before submitting - Experience in a fintech, financial services, or mature scale-up environment - Comfortable with ambiguity — you can operate in environments where processes are still being built Desirable - CIPP qualification or working towards it - Experience with cloud-based payroll or HRIS platforms (e.g. HiBob, Deel) - Exposure to multi-currency payroll or cross-border employment arrangements - Experience supporting or preparing for payroll audits Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world. Ready to Apply? Let’s Go.

Title: Senior Data Analytics Engineer - FinTech Location: Remote - UK Department: Technology Job Description: Description Join Zepz: Breaking Down Borders, Together Our Meaningful Mission At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech. Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections. Who You'll Be Joining We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk. Our Core Commitments — What We Live By Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact: - Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other. - Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering. - Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve. Perks of Joining Our Team We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance. Our remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel. About the Role We are seeking a highly skilled and experienced Data Analytics Engineer to join our dynamic team. This is a senior-level Individual Contributor (IC) role where you will operate with a high degree of independence. You will focus on supporting critical data needs and developing foundational data models that are essential for driving our cross-border remittances business forward. You will act as a technical lead on projects, leveraging your analytical and problem-solving skills to build robust and scalable data solutions. What you bring to the table - Experience: Proven experience in analytics engineering, data engineering, or a similar role. - Industry Experience: Proven experience in the financial services or FinTech industry, particularly with cross-border payments. - Technical Skills: Proficiency in SQL and at least one programming language (e.g., Python) is required for data manipulation and scripting. - Data Technologies: Hands-on experience with data warehouse technologies, specifically Databricks. - Problem-Solving: Excellent analytical and problem-solving skills with strong attention to detail. - Communication: Strong communication and interpersonal skills, with the ability to explain complex technical concepts to non-technical stakeholders and partners. What you will focus on - Technical Project Management: Independently lead technical projects from conception to deployment. You will be responsible for defining timelines, managing resources, and ensuring the delivery of high-quality data solutions without constant supervision. - Business Partnership: Collaborate with data analysts, and business stakeholders to translate commercial objectives into well-defined technical projects. You will act as a primary point of contact for partners, ensuring they have reliable self-serve data for strategic decision-making. - Advanced Data Analytics: utilize Python and SQL to perform deep-dive analytics and build automated scripts. You will also utilize tools like Excel for rapid prototyping and business-facing reporting. - Reconciliation & Financial Integrity: Oversee data reconciliation processes to ensure financial accuracy. (Experience with tools such as AutoRek or ReconArt is highly valued here). - Tooling & Optimization: Lead the adoption of data transformation tools to empower teams in their data-driven decision-making processes. Preferred Qualifications / Experience - Reconciliation Tools: Experience with AutoRek, ReconArt, or similar financial reconciliation software. - BI & Visualization: Proficiency with business intelligence tools such as Tableau, PowerBI, or Looker. - Cloud Infrastructure: Experience working within the AWS ecosystem. AI Literacy & Tools As Zepz continues to build AI into how we work, we expect everyone to engage with it as a core part of their role. For this position we are looking for: - A genuine curiosity about AI and how it can be applied in your area of work — from accelerating analysis and insight generation, to improving how we design and deliver processes and communications. - Practical experience using AI tools in a professional context — whether to connect information, draft content, build frameworks, or create insights from data. We want people who actively use AI to increase productivity, not those who are waiting to be told to. - Strong AI literacy — an understanding of what AI assistants can and cannot do, how to prompt effectively, and how to critically evaluate AI-generated output before using it. - Awareness of the ethical considerations and responsible use of AI in the workplace, particularly in the context of sensitive data, customer experience, and compliance. - Prior experience using Claude (Anthropic) is a nice-to-have but not essential — what matters most is that you are genuinely engaged with AI as a tool, comfortable experimenting, and eager to share what works with your wider team. If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join. Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world. Ready to Apply? Let’s Go!

Title: Software Engineer - FinCrime Location: Remote - UK Department: Technology Job Description: Description Join Zepz: Breaking Down Borders, Together Our Meaningful Mission At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech.Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections. Who You'll Be Joining We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk. Our Core Commitments — What We Live By Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact: - Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other. - Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering. - Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve. Perks of Joining Our Team We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performanceOur remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel About the role and team Our engineering team is growing! We’re looking for Front End and Full stack engineers to join our team. Our team ensures we stay at the forefront of the fight against financial crime by building the essential tools and workflows that guarantee our products are used as intended. To navigate an evolving regulatory landscape, we combine: - Custom Innovation: In-house data analytics, bespoke software, and tailored workflows. - Elite Partnerships: Industry-leading third-party AI for advanced transaction monitoring and analysis. By integrating these powerful resources, we protect our platform from criminal activity while ensuring legitimate users can send support safely and efficiently. What you will own: - Contribute to mobile applications to support financial crime workflows. - Build and maintain software to automate and improve Zepz's Financial Crime workflows, tooling, and systems for both brands. - Look after and improve our existing Anti-Money Laundering, and customer screening solutions. - Collaborate with other teams to help ensure that the products and features they are building aren’t enabling criminals. What you bring to the table As a Front End Engineer: You are passionate about building and maintaining customer-facing mobile experiences (Ideally React Native), to solve real world problems. As a Full stack Engineer: You have experience building and maintaining end to end mobile applications (Ideally React Native), and the services they rely on to meet our customer's needs at scale (Python/Java). - Code is: best practice compliant, well-tested, maintainable, scalable, and documented. - Experience developing cloud native services (Ideally AWS) - Good understanding of observability and metrics: Proficient with dashboards, alerting, and monitoring for operational excellence and business metrics. - Excellent at working with product/engineering and managing stakeholder expectations. - Pragmatic: Understands balancing 'perfect' with 'done' without compromising essentials. - Skilled at priority balancing: Communicates impact clearly when accepting or declining tasks. - Believe in diversity and inclusivity. Bonus Points if you - Have experience with Kotlin or Swift for native app development. - Have strong familiarity with SQL, and data pipelines. - Have experience working in the FinTech industry, particularly in a Financial Crime role (Fraud, AML, KYC, Sanctions Screening) If you want to join us in our journey to help break barriers in financial access and improve lives globally, there's no better place or time to join. Our global team of 800+ people is spread across six continents. We aspire to hire the best mix of people from former Olympians to YouTube influencers and we speak over twenty languages. This incredible diversity isn't a bonus; it's the engine that lets us serve the world. Ready to Apply? Let’s Go.

Title: Performance Marketing Specialist Location: Remote - UK Department: Marketing Job Description: Description Join Zepz: Breaking Down Borders, Together Our Meaningful Mission At Zepz, we're all about breaking down barriers for our customers and our teammates. Our purpose is deeply personal, we provide a lifeline and deliver opportunities to cross-border communities that need it most through cutting edge finance and tech. Zepz is the power behind WorldRemit and Sendwave, driven by the mission to celebrate the incredible impact migrants have, both at home and abroad. We're not just moving money; we're building a world that truly recognizes and supports global connections. Who You'll Be Joining We look for mission-driven builders who thrive in a fast-paced environment connected to a true purpose. We’re an always developing team of experts that enjoy problem solving and bring clarity to tough challenges. At Zepz, we are Relentless Learners, always seeking feedback, and Responsible Owners, treating company resources like your own. We depend on Transparent Communicators who keep the team aligned through open, honest talk. Our Core Commitments — What We Live By Our vibrant and truly diverse culture is built on three core commitments, that guide how we work and interact: - Integrity: We always do the right thing. It’s simple, but it’s the foundation of everything we build for our customers and each other. - Outcomes: We work for our customers. Their success and prosperity are the results we focus on delivering. - Velocity: We are fast! We maintain high energy levels and make smart decisions quickly, keeping us nimble and ahead of the curve. Perks of Joining Our Team We believe in empowering colleagues because we genuinely trust our team. Our culture is founded on this high trust, which naturally encourages the high ownership that drives us to meet our shared high expectations and deliver high performance. Our remote-first culture means you have the flexibility to work in your employing country wherever you feel the most focused and productive. This freedom comes with wonderful tailored, location-specific perks designed to support your whole life, not just your work. Think unlimited annual leave , great healthcare benefits, and employee discounts. We want you to thrive and focus entirely on making your biggest impact! In turn, we expect you to bring high ownership and commitment to your work. This is a place where we value trust and high performance, and we'll provide the environment and support needed for you to excel. About the role You will excel as a Performance Marketing Specialist if you: - Possess proven expertise in developing and managing complex paid media strategies across key channels for mobile app advertising including Google Ads and Apple Search Ads. Experience with other channels (e.g., Programmatic, other social platforms) is highly advantageous. - Have an advanced data-driven and analytical mindset, using this to execute on campaign strategies and inform decision making. - Proactively identify and implement strategic optimisations, efficiencies, and automation opportunities across campaigns and workflows. - Are an excellent communicator, able to articulate complex data and strategic insights effectively to various stakeholders, including senior leadership, if necessary. - Have strong attention to detail and organisation in rolling out wider campaign strategies - especially with high-spend, global campaigns. - Demonstrate a continuous drive for learning, innovation, and tackling complex challenges autonomously. What you will own Reporting to the Performance Marketing Lead / Head of Performance Marketing Paid Media Management: - Develop, execute, and optimise sophisticated multi-channel paid media strategies across performance platforms, with significant expertise in PPC Search and App campaigns. - Deliver performance analysis for App marketing channels, monitoring and interpreting complex data sets to make strategic, data-driven decisions that drive significant growth and exceed KPI targets. - Propose the development and own the implementation of rigorous A/B tests to continuously improve ad creatives, targeting, landing pages, and bidding strategies. - Champion performance marketing best practices and stay ahead of industry trends, identifying and testing new opportunities for growth. App Growth & Conversion Strategy: - Execute strategies to drive significant user acquisition, engagement, and downstream conversion goals for our app platforms through targeted paid media campaigns. Advanced Analytical Reporting & Forecasting: - Execute tracking, analysis, and reporting frameworks for all owned channels, ensuring data accuracy and consistency. - Deliver deep-dive insights, tactical recommendations, and performance forecasts to key stakeholders. - Utilise tools like Google Sheets and data visualisation platforms for sophisticated data analysis and reporting. Budget Management & KPI Delivery: - Take responsibility for significant paid media budgets across designated channels. - Develop budget allocations, forecasts, and manage pacing effectively to maximise ROI and achieve ambitious KPI targets, providing clear justification for investment decisions. - Delivery against key performance indicators (KPIs) in alignment with overarching business objectives and ensure campaigns are optimised towards them. Cross-functional Leadership & Stakeholder Management: - Collaborate effectively with cross-functional teams, including Creative, MarTech, Product, and Data to ensure integrated and effective marketing strategies. - Support the creative briefing process, translating data insights into actionable guidance for engaging ad content. - Communicate campaign performance, strategic insights, and recommendations clearly and confidently to the Performance Marketing team and key stakeholders What you'll bring to the table - Minimum 3-4 years of experience in digital marketing, the financial/fintech sector or B2C App sector. - Proven experience managing campaigns on Google Ads, specifically Universal App Campaigns (UAC) and PPC Search. Deep understanding and ability to implement, test, and optimise automated bidding strategies (Target CPA, Target ROAS, Maximize Conversions, etc.) within UAC to achieve specific business goals (e.g., install volume vs. high-LTV users). - Proven track record of auditing, prioritising, and refreshing UAC creative assets (text, images, videos, HTML5) to maintain Excellent asset strength scores and drive conversion volume. - Ability to manage large, fluctuating budgets, forecast spend, and dynamically adjust UAC campaigns to hit daily/monthly budget targets while maintaining efficiency. - Strong analytical and numerical skills and proficiency in Google Sheets or Excel. - Data-driven mindset with the ability to interpret complex data sets and derive actionable insights. - Right to work in the UK. - Strong communication and collaboration skills. Bonus points if you: - Have experience with third-party campaign management tools such as Smartly, SA360, Skai, or Marin - Hands-on experience with at least one major MMP (e.g., Adjust, AppsFlyer, Singular) for setup, reporting, fraud detection, and integration. - Have knowledge of integrating and troubleshooting in-app events (e.g., registration, purchase, subscription start) via Firebase/Google Analytics 4 (GA4) or third-party MMPs to ensure UAC optimises against the highest-value actions. - Have experience on additional social marketing platforms such as TikTok, Snapchat or Spotify - You can speak/understand French, Spanish, Portuguese, German, Italian or Filipino