Head of Merchant Risk - Europe in London

Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow. Ready to take your career global? Make your mark at one of the biggest names in payments.

What You’ll Own

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

What you’ll bring

• Technical Skills: Knowledge of underwriting, account fraud detection, and merchant lifecycle risk assessment. Knowledge of regulations and compliance standards governing KYC, AML, and high-risk merchant oversight. Experience with risk engines, decisioning platforms, workflow automation and integrated platform risk architecture.
• Management Skills: Skilled in leading teams on scalable risk operating models, governance frameworks, and policy structures across platforms, cross-functional and collaborative. Demonstrates the ability to influence senior stakeholders and business partners. Experience managing teams on complex vendor ecosystems, risk partners, fraud tools, and technology platforms.
• Mindset and Behaviors: Data-driven and analytical, making decisions rooted in insights, modeling, and predictive indicators. Strategic and innovative, exploring new technologies, automation, and analytics to elevate performance. Collaborative and solutions-oriented, driving alignment across functions to support safe, scalable business expansion.

About the team

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.

What makes a Globalpayer?

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.

Global Payments Inc. is an equal opportunity employer. Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. If you wish to request reasonable accommodations related to applying for employment or provide feedback about the accessibility of this website, please contact jobs@globalpayments.com.