Company Description

We’re Checkout.com – you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen.

Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why.

With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance-obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career-defining opportunity to build the future of fintech.

The Team Merchant & Fraud Risk Monitoring Manager is a critical role responsible for protecting Checkout.com and its partners from losses and financial crime risks. You will lead a team of Risk Analysts dedicated to the continuous surveillance of existing merchants within our Platforms ecosystem.

As a founding member of the Mexico City risk hub, you will build and scale a team focused on identifying potential fraudulent activity, transaction laundering, and deceptive business practices. Your mission is to mitigate financial loss, prevent reputational damage, and ensure strict adherence to Card Scheme rules and AML regulations. This role requires a blend of investigative curiosity, data-driven decision-making, and the leadership agility to build a function from the ground up.

Key Responsibilities

Team Foundational Growth:

• Hub Establishment: Lead the recruitment and training of the inaugural Risk Monitoring team in Mexico City, ensuring a high standard of analytical talent.

• Process Localization: Adapt global monitoring frameworks to the target market, ensuring that procedures are robust, documented, and scalable.

• Knowledge Excellence: Act as the local subject matter expert (SME) on merchant risk, providing the team with the tools and techniques needed to spot sophisticated risk patterns.

• Cultural Leadership: Act as a brand ambassador for Checkout.com’s operating principles (Talk Straight, One Team, Fundamentally Positive), establishing a high-trust, high-performance culture from day one.

Risk Surveillance & Investigation:

• Detection & Analysis: Oversee the daily monitoring of merchant behavior to identify red flags, including fraudulent activity, deceptive business practices, outsized credit risks, and suspected transaction laundering.

• Risk Shielding: Protect Checkout.com from financial exposure (chargebacks/losses) and ensure compliance with Card Scheme (Visa/Mastercard) monitoring programs.

• Advanced Investigations: Lead the team in deep-dive investigations of complex cases, utilizing internal data and external intelligence to uncover hidden risk networks.

Operational Management

• Performance Oversight: Define and track team KPIs, focusing on alert clearing speed, accuracy of risk assessments, and the quality of investigative narratives.

• Tool Optimization: Provide feedback on risk engine rules and monitoring logic to reduce false positives while increasing the detection of genuine threats.

• Escalation Management: Serve as the first escalation point for high-stakes risk decisions, including merchant offboarding or fund freezes, coordinating closely with Legal and Compliance as required.

Stakeholder & Scheme Collaboration:

• Cross-Functional Synergy: Partner with the Onboarding, Compliance, Scheme Compliance and Credit Risk teams to ensure a closed-loop feedback system between "entry" and "active" risk.

• Scheme Compliance: Ensure all monitoring activities align with global Card Scheme requirements and participate in audits or reviews as required.

• Reporting: Deliver regular insights to senior leadership regarding the Platform portfolio's risk profile and emerging regional trends.

Qualifications

• Experience: 8+ years in Risk Management, Fraud Investigation, or Merchant Monitoring, with 3+ years in a leadership/management capacity.

• Risk Expertise: Proven track record in identifying merchant risks including Transaction Laundering, Deceptive Practices (negative option billing, etc.), and Card Scheme violations.

• Analytical Prowess: Ability to query and interpret complex datasets to identify trends; experience with SQL or data visualization tools (e.g., Looker, Tableau) is a plus.

• Foundational Mindset: Demonstrated experience in building teams, writing SOPs, or scaling operations in a high-growth environment.

• Industry Knowledge: Deep understanding of the payments ecosystem, including acquirer/processor dynamics and global AML standards.

• Communication: Fluency in English is required, with the ability to explain complex risk findings to non-technical stakeholders.

Key Performance Indicators (KPIs) for Success

• Alert Efficiency: Time to identify and action high-risk merchant behavior.

• Loss Mitigation: Reduction in avoidable losses stemming from fraudulent or non-compliant merchant activity.

• Scheme Health: Minimizing the number of merchants entered into Card Scheme monitoring programs (e.g., VAMP).

Additional Information Bring all of you to work

We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life atCheckout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram