checkout.com - Director of Engineering - Risk and Compliance
Requirements
• Experience leading multi-level engineering organisations (EMs and ICs) through growth and change, with a track record of developing leaders, not just hiring them. • A record of transforming critical platforms while the business kept running: multi-year re-architecture, migrations, or consolidating several systems into one. • Experience building and operating mission-critical decisioning or rules platforms at scale. Ideally these served several customer segments, products or markets from a shared foundation. • Experience in a regulated environment (financial services, payments or similar), where compliance, auditability and risk are part of the engineering problem. • Deep technical understanding of cloud-native, distributed and data-heavy systems, including how to run ML models safely in production. • Exceptional collaboration skills, with a proven ability to partner with senior cross-functional stakeholders, particularly in Risk, Compliance, Financial Crime and Legal, and to make clear trade-offs in a complex stakeholder landscape. • Ideally, domain knowledge in KYB, AML and financial crime, underwriting, fraud or merchant risk. Experience with self-serve or high-volume onboarding, or with platforms and their sub-merchants, is a strong plus. • Humility, low ego and an ideal ambassador for our mission, values and operating principles. • If you feel that you don't meet all the requirements but think you might still be right for the role, please consider continuing in the process. We're always keen to build relationships with leaders who resonate with our mission and values. • 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 at Checkout.com http://Checkout.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 https://www.checkout.com/careers to learn more about our culture, open roles, and what drives us. • For a closer look at daily life at Checkout.com http://Checkout.com, follow us on LinkedIn https://www.linkedin.com/company/checkout/life/ and Instagram https://www.instagram.com/checkout_com/
Responsibilities
• You'll be comfortable building and scaling critical platforms in a regulated environment, where correctness, auditability and availability matter as much as speed. You'll balance two goals that are often in tension: making it fast and easy for good businesses to work with us, and keeping bad actors out and the business compliant. • This is a change role. You'll assess what we have, set a clear direction, and move us from segment-specific, analyst-led processes to an automated decisioning platform, without pausing the business while you do it. You'll do this in close partnership with Product, Risk, Compliance, Financial Crime and Legal, and with the leaders of the businesses that depend on the platform. • You'll directly lead an established team of engineers and managers of varying seniorities. Amongst other duties, you'll have impact across: • Setting the technical vision and strategy for Risk, Verification & Compliance. That includes deciding what we build once and share, and what each segment, product or market configures. • Building a decisioning platform that automates the decisions that don't need a human, safely, and sends the rest to the right analyst with the context they need. Our automation rate sets our cost to onboard and to serve. • Making risk dynamic across the customer lifecycle. New businesses start on terms that match the signals we see: limits, reserves and settlement speed. Those terms relax automatically as the business trades well, and we act quickly when the signals change. This starts with simple rules and evolves into machine learning. • Making decisions explainable, so that customers, partners and our own analysts understand why a decision was made and what happens next. • Giving Risk and Compliance the dials. Acceptance criteria, early-life controls and policy should be configuration that can be changed, tested and measured by cohort, not a code change. • Keeping our financial crime controls ahead of growth. Screening and monitoring have to scale from large enterprises to a very large base of smaller businesses, through new channels, payment methods and products. • Leading the design and delivery of verification, screening, underwriting and monitoring systems that are accurate, auditable and highly available. • Representing Engineering in regulatory, audit, scheme and partner conversations where needed. • Managing and developing a high-performing team of individual contributor (IC) Engineers and Engineering Managers, providing guidance, support and career development. • Striving for best practice on hiring, coaching and enablement, and being a magnet for top talent. • ROLE OVERVIEW | DESIRED BACKGROUND, CORE COMPETENCIES
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