Director of Engineering - Risk and Compliance

Company Description We’re Checkout.com . You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. Role overview | Context Checkout.com built its name serving the world's largest enterprises. We're now growing into many more types of customer: businesses of every size, including self-serve, startups integrating straight from our docs, and platforms (software companies, payfacs and marketplaces) that onboard thousands of sellers through our APIs. As our product range grows, that takes us from thousands of customers to millions. At that scale, the decision about who we work with, and on what terms, can't be a manual review at the end of a sales process. It has to be a product. It decides how quickly a good business goes live, how much it costs us to serve them, and how confident our regulators and scheme partners are in us. We're looking for a senior Engineering leader to own that decision. This team decides which businesses we can work with and on what terms. It covers business verification, screening, underwriting, ongoing monitoring and financial crime. It's a shared platform that serves every one of our businesses. Its users are our customers (directly, or through the platforms they sign up with) and, internally, our Risk, Compliance and Financial Crime teams and the analysts who run reviews and investigations. Much of what we have today was built segment by segment and market by market, for a smaller number of large customers. The next chapter is one opinionated, configurable decisioning platform. Enterprise, platform and SMB customers should all run on the same foundations, with the right depth of checks and the right terms for each. That way a new product, segment or market doesn't mean rebuilding our controls, and this team isn't on the critical path for every launch. Role overview | Risk, Verification & Compliance The remit covers: • Risk decisioning: underwriting, risk tiering, exposure limits, reserves and settlement terms, and when to restrict or offboard, re-assessed across the customer lifecycle. • Business verification: company, ownership, document, bank account and website checks, run once for every segment. • Financial crime: sanctions and PEP screening, AML and transaction monitoring, and the controls, audit trails and reporting behind our regulatory obligations. • Decisioning platform: the shared infrastructure that runs these checks automatically for every market and customer type. You'll partner closely with the teams that own onboarding and identity verification. Role overview | Remit and 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