Team Leader, Merchant and Fraud Risk Monitoring

0011 Checkout LLC; Mexico; On-site; PHP 1,500,000 - 2,200,000; Full time

Job summary

0011 Checkout LLC seeks a Team Leader for Merchant and Fraud Risk Monitoring in Pampanga, Philippines. You will lead a new team aimed at protecting against financial risks while ensuring adherence to compliance regulations.

The role requires extensive experience in risk management and fraud investigation, alongside skills in team building and data analysis. Responsibilities include recruiting, reporting on fraud indicators, and improving monitoring frameworks.

Join us to make a significant impact in a rapidly growing company.

Qualifications

• 8+ years in Risk Management, Fraud Investigation, or Merchant Monitoring, with 3+ years in leadership.
• Proven track record in identifying merchant risks including Transaction Laundering.
• Fluency in English with the ability to explain complex findings to non-technical stakeholders.

Responsibilities

• Lead recruitment and training for Risk Monitoring team.
• Adapt global monitoring frameworks to the target market.
• Oversee daily monitoring of merchant behaviour for red flags.
• Define and track team KPIs for risk assessments.

Skills

Risk Management

Fraud Investigation

Analytical Skills

Team Leadership

Communication

Tools

SQL

Looker

Tableau

Job description

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

• Lead the recruitment and training of the inaugural Risk Monitoring team in Mexico City, ensuring a high standard of analytical talent.
• Adapt global monitoring frameworks to the target market, ensuring that procedures are robust, documented, and scalable.
• Act as the local subject‑matter expert on merchant risk, providing the team with the tools and techniques needed to spot sophisticated risk patterns.
• 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.
• Oversee the daily monitoring of merchant behaviour to identify red flags, including fraudulent activity, deceptive business practices, outsized credit risks, and suspected transaction laundering.
• Protect Checkout.com from financial exposure (chargebacks/losses) and ensure compliance with Card Scheme (Visa/Mastercard) monitoring programmes.
• Lead the team in deep‑divide investigations of complex cases, utilising internal data and external intelligence to uncover hidden risk networks.
• Define and track team KPIs, focusing on alert clearing speed, accuracy of risk assessments, and the quality of investigative narratives.
• Provide feedback on risk engine rules and monitoring logic to reduce false positives while increasing the detection of genuine threats.
• Serve as the first escalation point for high‑stakes risk decisions, including merchant off‑boarding or fund freezes, coordinating closely with Legal and Compliance as required.
• Partner with Onboarding, Compliance, Scheme Compliance and Credit Risk teams to ensure a closed‑loop feedback system between “entry” and “active” risk.
• Ensure all monitoring activities align with global Card Scheme requirements and participate in audits or reviews as required.
• 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‑visualisation 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 for Success

• Alert Efficiency: Time to identify and action high‑risk merchant behaviour.
• Loss Mitigation: Reduction in avoidable losses stemming from fraudulent or non‑compliant merchant activity.
• Scheme Health: Minimising the number of merchants entered into Card Scheme monitoring programmes (e.g., VAMP).