• Analytical mindset to assess and identify merchant risks 
  • Work cross-functionally with internal departments to uplift merchant experience 
  • We work 2 days a week in our brand new office, located in Circular Quay

Write your story with Zip

The purpose of the Merchant Risk team is to ensure that o-boarded merchants are suitable for the Zip platform and that they operate in a manner that results in beneficial outcomes for Zip, the Consumer and the Merchant. 

As an Accreditations Associate in the team, you will develop strong analytical and problem-solving skills as you review merchant applications and get involved in merchant risk management initiatives. 

Interesting problems you’ll get to solve

Reporting directly to the Senior Manager of Merchant Risk and AML/CTF, you will:

  • Own the end-to-end assessment of merchant applications in line with our Accreditations Guidelines 
  • Communicate with the Sales team and Merchant Experience team regarding merchant applications and account variations
  • Collaborate with the Sales and Merchant Experience teams to providing continuous feedback on process improvements in the merchant onboarding function
  • Support merchant risk management and risk initiatives. This includes merchant collections, compliance to the MSA, auditing and merchant risk projects

What you’ll bring to the team

Zipsters work with a broad range of tools, languages and platforms, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow. 

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

  • Previous retail or commercial loan assessment experience (preferable, not essential)
  • Excellent attention to detail
  • Sound verbal and communication skills
  • Strive to identify efficiencies and improvements to how we operate
  • Ability to handle high work volumes and perform effectively under pressure
  • Time management and ability to keep to deadlines
  • Experience in multi-tasking to meet all work requirements & timeframes
  • Understanding of compliance framework and regulations such as privacy, Know Your Customer & Anti-Money Laundering
  • Our values in your DNA: Customer First, Own It, Stronger Together and Change the Game

What you’ll get in return

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands-on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.  

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

  • 25 days paid leave annually, including birthday leave and quarterly wellbeing days
  • 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
  • Family support policies including miscarriage bereavement leave and domestic violence leave
  • Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our EAP service Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
  • 2 days paid volunteering leave per year 
  • Fee-free Zip products, and discounts with Zip merchant partners (AU)
  • Team social events, epic offices, free breakfast daily, and weekly free lunches (Sydney and Melbourne)

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centred products that bring customers and merchants together.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

We are a proud 2024 Circle Back initiative employer and will respond to every applicant.

Apply for this Job

* Required
resume chosen  
Dropbox Google Drive
(File types: pdf, doc, docx, txt, rtf)
Cancel
cover_letter chosen  
Dropbox Google Drive
(File types: pdf, doc, docx, txt, rtf)
Cancel
Building for Diversity, Inclusion and Balance (ANZ)

At Zip we are passionate about building for diversity, inclusion and balance so we can bring out the best in all Zipsters; existing and new. That's why we have launched a dedicated DEI strategy called "Building for Balance". To help us achieve this we’re committed to continuously monitoring our progress, learning from our people and trying new things so we can build a truly diverse and inclusive team. We would love your help by taking part part in this anonymous survey which will help us evaluate our efforts. This is completely voluntary and not taking part will have no impact on your job application. All information is anonymous and not connected to your name or job application and will be kept secure and used solely to evaluate our diversity and inclusion programs.

By answering this survey, I give my consent for Zip to process this data.

What gender do you identify as? (Select one)






I identify my ethnicity as (please select all that apply):











What is your age range? (Select one)







How important is flexibility and the opportunity for working remotely when considering a new opportunity? ("5" being critical and "1" being not that important to you personally) (Select one)





Enter the verification code sent to to confirm you are not a robot, then submit your application.

This application was flagged as potential bot traffic. To resubmit your application, turn off any VPNs, clear the browser's cache and cookies, or try another browser. If you still can't submit it, contact our support team through the help center.