Head of Payments and Payment Compliance

Total Security Limited; Fareham; On-site; GBP 70,000 - 100,000; Full time

Job summary

A leading company in secure transactions is searching for a Head of Payments and Payments Compliance. This role involves spearheading global payment strategies, ensuring compliance, and leading a high-performing team in driving operational efficiency. The ideal candidate will have extensive experience in payment compliance and a deep understanding of regulatory standards. This is a unique opportunity to shape the company's payment infrastructure while enjoying a competitive salary and comprehensive benefits.

Benefits

Company Pension Scheme

BUPA Health & Dental Insurance

Generous food allowance and onsite meals

Free daily snacks and drinks

Netflix and Spotify subscriptions

Onsite Gym

Mental Health Support and Healthline

Life Assurance and Financial Advice

Regular team events and celebrations

Free eye care vouchers and haircuts

Qualifications

• 5+ years of experience in payment compliance or global payment operations.
• Understanding of PCI DSS and card scheme regulations.
• Proven leadership in scaling high-performing teams.

Responsibilities

• Lead the payments and compliance functions to align with business goals.
• Ensure compliance with industry standards and regulations.
• Monitor transaction risk and performance insights for senior leadership.

Skills

Leadership

Project Management

Analytical Skills

Communication

Education

5+ years of senior-level experience in payment compliance

Deep understanding of payment networks and global compliance standards

Tools

Payment gateways

Fraud tools

Job description

Reports To: Chief Executive Officer

Location: Onsite (with negotiable hybrid flexibility)

About Total Security

At Total Security, we facilitate millions of secure transactions globally, ensuring a frictionless experience for our customers while safeguarding against fraud and regulatory risk. As ourgrowth accelerates, the integrity of our payment systems and adherence to global compliance standards are more important than ever.

We're seeking a Head of Payments and Payments Compliance to own and drive our global payments and compliance function. You’ll lead strategy and execution across payment infrastructure, fraud prevention, and regulatory compliance, ensuring our systems are secure, efficient, and well-positioned for scalability. This is a leadership role where you’ll work cross-functionally and mentor a high-performance team.

Key Responsibilities

Leadership & Strategy

● Provide strategic leadership for the payments and payment compliance functions, aligning team efforts with overall business goals.

● Lead, manage, and mentor the Payments and Payments Compliance team and related payments personnel, fostering a high-performance culture.

● Drive continuous improvement across payment operations, compliance frameworks, and fraud prevention practices.

● Represent the payments and compliance domain in cross-functional leadership discussions and planning sessions.

Compliance & Regulatory Oversight

● Ensure ongoing compliance with card scheme regulations, government policies, and financial industry standards.

● Implement and maintain card processing compliance protocols, including ROSCA adherence and pre/post-charge communication requirements.

● Stay informed of regulatory and industry changes and assess their impact on business operations.

● Lead internal audits and collaborate with external stakeholders on compliance reviews and reporting.

Fraud & Risk Management

● Design and execute fraud prevention strategies, calibrating systems to balance risk reduction and order acceptance.

● Monitor transaction activity, chargebacks, and dispute trends; create risk models and proactive mitigation plans.

● Oversee the dispute resolution process, using robust data and documentation to defend chargebacks and reduce losses.

● Deliver regular risk and fraud performance insights to senior leadership.

Merchant & Payment Infrastructure Management

● Own relationships with merchant acquirers, processors, billing partners, and fraud tool providers.

● Oversee merchant account onboarding, optimisation, and compliance.

● Lead payment account splitting strategies to maximise conversion and reduce geographic and operational risk.

● Work closely with Finance to manage reconciliation, reserve release, and transaction forecasting processes.

Conversion Performance & Payment Innovation

● Monitor and analyse conversion and decline rates across all currencies and transaction types (initial, add-on, renewals).

● Lead the research, selection, and implementation of alternative payment methods aligned with regional needs.

● Build and execute a scalable payment innovation roadmap to support business growth.

● Collaborate with Analytics, Engineering, and Product teams to develop high-impact improvements in the payment flow.

What You’ll Bring

● 5+ years of senior-level experience in payment compliance, risk management, or global payment operations.

● Deep understanding of payment networks, card scheme regulations, PCI DSS, and global compliance standards.

● Proven leadership in building and scaling high-performing teams across compliance, fraud, or billing.

● Experience working with payment gateways, processors, fraud tools, and orchestration platforms.

● Strong project management, communication, and cross-functional collaboration skills.

● Analytical mindset with a history of using data to drive decision-making and operational improvements.

What We Offer

We believe that investing in our team leads to exceptional results. In addition to a competitive salary, we provide an outstanding benefits package, including:

● Company Pension Scheme

● BUPA Health & Dental Insurance + Be.Ahead Executive Health Assessments

● Generous food allowance at local restaurants + onsite chef-prepared meals

● Free daily snacks, drinks, breakfast & lunch

● Netflix, Spotify, Spa & Retail voucher scheme

● Onsite Gym + Osteopath access

● Golf Club Membership

● Mental Health Support + 24/7 Anytime Healthline

● Life Assurance & Financial Advice Support

● Cycle2Work Scheme

● Charity Donation Matching

● Regular team events, celebrations, and an onsite cocktail bar

● Free eye care vouchers, haircuts, antivirus and adblocking software