Team Leader, Merchant and Fraud Risk Monitoring

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. Job Description The Team Leader, Merchant and Fraud Risk Monitoring 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 regiona ... (truncated, view full listing at source)