Head of Merchant Risk - Europe

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Ready to take your career global?
\n Make your mark at one of the biggest names in payments. We’re looking for an experienced Head of Merchant Risk - Europe to join our ever evolving team and help shape the future of global commerce.

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What You’ll Own

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The Head of Merchant Risk - Europe is responsible for end-to-end regional risk ownership including onboarding, merchant fraud and ongoing monitoring. This role is the single point of accountability to support business priorities and facilitates proactive risk leadership embedded with regional P&L owners.

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• Leads Strategy Development: Defines and optimizes credit policies, decision rules, and underwriting criteria for account acquisitions, portfolio management, and line management.
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• Risk Appetite Definition: Establishes the "credit box" in collaboration with business leaders (GMs), Finance, and second line risk teams.
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• Governance & Compliance: Oversees risk governance frameworks, ensuring policies meet regulatory requirements (e.g., consumer credit laws) and audit standards.
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• Performance Monitoring: Analyzes portfolio data to identify trends, evaluate strategy performance, and adjusts tactics to mitigate risk while encouraging growth.
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• Project Management: Drives end-to-end strategic initiatives, including testing and launching new risk capabilities.
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What you’ll bring

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Technical Skills

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• Knowledge of underwriting, account fraud detection, and merchant lifecycle risk assessment.
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• Knowledge of regulations and compliance standards governing KYC, AML, and high-risk merchant oversight.
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• Experience with risk engines, decisioning platforms, workflow automation and integrated platform risk architecture.
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Management Skills

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• Skilled in leading teams on scalable risk operating models, governance frameworks, and policy structures across platforms, cross-functional and collaborative.
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• Demonstrates the ability to influence senior stakeholders and business partners.
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• Experience managing teams on complex vendor ecosystems, risk partners, fraud tools, and technology platforms.
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Mindset and Behaviors

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• Data-driven and analytical, making decisions rooted in insights, modeling, and predictive indicators.
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• Strategic and innovative, exploring new technologies, automation, and analytics to elevate performance.
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• Collaborative and solutions-oriented, driving alignment across functions to support safe, scalable business expansion.
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About the team
\n Our inclusive and global teams win together every day. We’re proud to have the best minds in the industry, who you can learn from as you grow your career. The people, the energy, the connections – it’s unmatched. Come and be part of an ever-evolving company and get dynamic opportunities that go beyond borders.

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What makes a Globalpayer?
\n Globalpayers think like a client, act like an owner and win as one team. We’re curious and innovative – always finding better ways to deliver impact. We empower each other to make decisions, and it’s our passion that drives excellence in everything we set out to do.

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Explore the benefits we offer to Globalpayers in the United Kingdom

My Health\n

We offer access to medical coverage that supports the health and wellbeing for you and your family.

My Money\n

In addition to base salary, you may be eligible for bonuses and/or equity awards, determined by role, level, impact, and our policies.

My Lifestyle\n

We have a dedicated Wellness Week each year – which includes an extra paid day off - so you can take time to relax, recharge and invest in your wellbeing.

My Family\n

FLEX, our family inclusion community, offers support for all Globalpayers at every stage, from raising families to caring for loved ones.

My Time Off\n

We offer paid time off and public holidays so you can rest, recharge and spend time on what matters most.

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