Senior Analyst, Scheme Compliance

Company Description

Checkout.com is one of the most exciting fintechs in the world. Our mission is to enable businesses and their communities to thrive in the digital economy. We’re the strategic payments partner for some of the best-known fast-moving brands globally such as Patreon, Binance, SHEIN, Grab, Henkel, Wise, Sony Electronics and many others. Purpose-built with performance and scalability in mind, our flexible cloud-based payments platform helps global enterprises launch new products and create experiences customers love. And it's not just what we build that makes us different. It's how.

We empower passionate problem-solvers to collaborate, innovate and do their best work. That’s why we’re on the Forbes Cloud 100 list and a Great Place to Work accredited company. And we’re just getting started. We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our merchants and our partners. And we need your help. Join us to build the digital economy of tomorrow.

Job Description

Checkout.com is looking for an ambitious and talented Senior Analyst - Scheme Compliance Analyst to join our growing team and support our global e-commerce portfolio. The candidate will be contributing to building and improving our scheme compliance function and its capabilities.

The primary responsibilities will be to conduct reliable and detailed analytical tasks, including but not limited to merchant research, investigating and replying to scheme violations, and taking action on remediation efforts to mitigate card scheme risks. The candidate will be required to understand scheme rules and various updates, advise on scheme rules, help draft internal guidance as needed and propose solutions to improve internal policy and processes. The candidate will need to possess excellent organizational skills, good project management skills, demonstrate the ability to meet tight SLAs, and be very conversant with online tools such as Google Workspace. 

As part of this role, the ability to provide support to multiple stakeholders, including Risk, Underwriting, Commercial, Compliance, Legal, Product, Financial Partnerships, etc, will be required as it pertains to the review the merchant setups, scheme rules implications, and propose the required action. The candidate will therefore need to coordinate with peers to ensure effective execution of specific tasks. 

The ideal candidate will be a proactive and confident individual, with an attention to detail, and has strong interpersonal, organizational, and technical skills and one who can demonstrate the ability to exercise good judgment in a fast-paced environment.

How you’ll make an impact

• Coordinate with various internal stakeholders and conduct detailed investigations on various merchants, using multiple internal & external data sources.

• Perform in-depth investigations of merchant setups, including conducting periodic reviews of portfolio, to identify non-compliance with scheme regulations.

• Collaborate with all stakeholders to resolve issues related to non-compliance with the card scheme rules.

• Provide timely response to all internal & external queries/requests through Checkout.com’s ticketing system.

• Follow up on pending scheme compliance issues and perform investigations on new and ongoing scheme compliance cases.

• Generate detailed investigation report, highlighting various risks, its impact & proposed solution.

• Implement new processes/controls to ensure compliance with the scheme regulations.

• Read new changes/amendments to scheme rules & regulations and provide suggestions on updating internal policy/processes in a timely manner;

• Participate in audits of our internal processes, identify gaps and assist in smooth implementation of proposed amendments.

• Maintain an in-depth working knowledge of card scheme rules

• Conduct training sessions for various teams & share knowledge on scheme rules

• The ideal candidate will also be expected to perform other related duties as assigned.

Qualifications

• Minimum 5 years of experience in e-commerce Payments and Fintech and/or in banking/ financial services (risk/compliance department) would be preferred.

• Good understanding of the payment landscape in the North America and/or Canada region.

• Solution driven approach, with exemplary problem solving and analytical skills.

• Strong written and verbal communication skills with the ability to present analysis and recommendations in a succinct manner.

• Ability and willingness to learn & understand various complex payment terminology, gain knowledge with an emphasis on continuous reading about new payment tren