Head of Global Merchant Risk

Stripe

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM Stripe's mission is to increase the GDP of the internet — and we do that responsibly. The User Risk Strategy (URS) function is at the heart of that responsibility: it is the team that defines who Stripe can do business with, on what terms, and how those standards are maintained and enforced at scale. The function sits within the First Line of Defense in Stripe's Risk organization and is the authoritative owner of Stripe's supportability framework. We are looking for a seasoned leader to own and evolve the URS / Supportability function as a Manager of Managers (M2). In this role, you will lead a team of risk strategists and analysts across Ecosystem Strategy, New Product Enablement, User Insights & Enablement, Platform Risk Strategy, and Enforcement & Monitoring Strategy (EMS). You will be a senior leader in the Risk Strategy organization, shaping the direction of Stripe's supportability ecosystem and driving cross-functional decisions that directly influence Stripe's ability to grow safely. In this role, you will report into the Head of Risk Strategy and partner closely with Product, Engineering, Legal, Financial Crimes, Financial Partnerships, Operations, and GTM leadership. WHAT YOU’LL DO RESPONSIBILITIES STRATEGY & VISION * Own the long-term vision and strategy for Stripe's User Risk / Supportability function, ensuring legitimate users can use Stripe while protecting Stripe's financial platform, brand, and regulatory standing. * Translate Stripe's business objectives and risk appetite into a cohesive, multi-year supportability strategy that balances risk exposure with user experience. * Define the risk/reward framework for new industry enablement and new product enablement — setting the standard for how Stripe evaluates and expands access responsibly. * Develop and execute a clear roadmap across the URS organization that is aligned to Stripe's SOKRs and articulated to senior leadership. ECOSYSTEM STRATEGY * Own Stripe's global Terms of Service standards — the Supportability Handling Guide — including restricted and prohibited business categories. * Set the strategic direction for how Stripe's supportability ecosystem evolves as Stripe's product footprint and geographic reach expand. * Be the final decision-maker on policy changes that carry meaningful risk exposure or require cross-functional alignment, and represent Risk's position with Legal, FinCRO, card networks, and external partners. * Integrate financial partner Restricted/Prohibited Business Lists (RBL/PBL) into Stripe's policy framework. NEW PRODUCT ENABLEMENT * Lead the strategy and approval process for new product enablement — developing the appropriate RBL/PBL strategy for new products and incorporating new bank partner requirements. * Ensure that risk standards are embedded early in the product development lifecycle, partnering with Product and Engineering to shape how supportability is implemented in new Stripe products. * Work with Legal and Financial Partnerships to assess and integrate compliance obligations introduced by new products and banking relationships. USER INSIGHTS & ENABLEMENT * Lead the strategy for new industry enablement — evaluating emerging and underserved industries for supportability, and developing the frameworks that allow Stripe to access these markets responsibly. * Own the Large User Advisory function, providing structured, high-quality guidance on complex user-specific supportability questions — enabling GTM and Partnerships to unlock revenue while managing risk appropriately. * Develop scalable frameworks for advisory decisions so the function can handle growing volume without compromising quality. PLATFORM RISK STRATEGY * Lead Platform Risk Strategy, which covers large user requests, health monitoring, and education for Stripe's largest and most complex users. * Develop scalable approaches to managing the supportability risk profile of Stripe's largest platforms and complex use cases, providing clear guidance and risk frameworks to internal stakeholders. * Drive education and self-service capabilities so that internal teams and users can navigate Stripe's supportability standards more independently. ENFORCEMENT & MONITORING STRATEGY (EMS) * Provide strategic direction to the EMS team, which is responsible for integrating Stripe's supportability standards into detection and enforcement systems. * Ensure that URS standards are operable, enforceable, and continuously tuned based on performance data and insights. * Partner with Engineering, Product, and Data Science to develop data-driven detection strategies, improve enforcement precision, and reduce false positives that create unnecessary user friction. * Maintain global EMS coverage, including regional strategy across North America and EMEA/APAC. PEOPLE & ORGANIZATIONAL LEADERSHIP * Lead and develop a team across five sub-teams, including multiple team-level managers (M0/M1) and senior individual contributors. * Set a high bar for talent and actively recruit, develop, and retain excellent risk strategists. * Build a team culture grounded in Stripe's Operating Principles — one that is analytically rigorous, user-centric, and collaborative. * Coach and develop your direct reports to grow in both their functional craft and their leadership capabilities. * Build succession depth and develop a clear talent strategy for the function. CROSS-FUNCTIONAL LEADERSHIP * Act as the senior Risk Strategy voice in cross-functional risk forums, product reviews, and partner negotiations relevant to supportability. * Partner with Product and Engineering on the Supportability platform, influencing the roadmap to ensure our systems accurately reflect policy intent and scale effectively. * Work with GTM and Partnerships to develop scalable access to supportability information, reducing friction in the sales cycle while maintaining risk discipline. * Engage with Legal and Financial Partnerships on policy positions, regulatory changes, and external partner requirements. * Represent URS at senior Risk leadership reviews and provide clear, data-backed narrative on the state of the supportability ecosystem. * Drive cross-functional programs with impacts across Risk and the broader organization — including Third Party Agent (TPA) programs, Actor-Level Enforcement, and strategic GTM/URS collaboration initiatives — ensuring clear goals, DRIs, and measurable outcomes. WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 10+ years of experience in risk strategy, policy, compliance, or a related field, with deep experience in user/merchant risk, supportability, or financial services regulation. * 4+ years of people management experience, including managing managers; demonstrated ability to lead through multiple layers of an organization. * Proven track record of owning and evolving complex policy or standards frameworks at scale, ideally within a payments, fintech, or marketplace context. * Demonstrated ability to deliver at scale — you have built systems, frameworks, and teams that operate well beyond individual effort, and you instinctively design for leverage and repeatability across large, complex organizations. * Champion for AI and automation — you actively seek opportunities to apply AI-powered tooling and automation to accelerate risk strategy work, reduce manual toil, and improve the quality and consistency of decisions at scale; you set the example for your team in adopting and driving these capabilities. * Exceptional cross-functional collaborator — you know how to build trust with Legal, Engineering, Product, Sales, and Operations, and can reconcile competing stakeholder views to drive results. * Analytical rigor — you are comfortable with data and can structure risk/reward trade-offs clearly and compellingly for senior audiences. * Executive presence and clear written and verbal communication — you can distill complex risk topics into actionable narratives for leadership. PREFERRED QUALIFICATIONS * Experience working with card network rules (Visa, Mastercard), financial partner compliance requirements, or regulatory frameworks relevant to payments (e.g., BIN sponsorship, direct acquiring). * Familiarity with supportability or trust & safety systems, detection and enforcement tooling, or risk policy automation. * Experience in a high-growth technology company managing risk at scale.

Adyen

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. HEAD OF ENGINEERING, ADYEN PROTECT We are seeking a visionary and highly technical Head of Engineering to lead the development and scaling of Adyen Protect. Adyen Protect is our ML-first product suite designed to detect and mitigate payment fraud in real-time across billions of transactions. In this role, you will lead a specialized domain of four high-impact engineering teams dedicated to staying ahead of increasingly sophisticated global fraud networks. You will be the strategic driver behind our risk engine, ensuring that our ML models are not only accurate and performant but also transparent and actionable for the world's largest merchants. This is a role for a leader who thrives at the intersection of big data, predictive modeling, and high-availability systems. You will be responsible for ensuring that as Adyen grows, our ability to protect our merchants and their consumers remains world-class. WHAT YOU’LL DO: * Vision & Strategy: Define and execute the technical roadmap for Adyen Protect, aligning Machine Learning capabilities with the evolving needs of global e-commerce and regulatory landscapes. * Scale ML Operations: Lead four multidisciplinary teams in building and maintaining scalable infrastructure for model training, real-time scoring, and automated experimentation (A/B testing) at the millisecond level. * Engineering Excellence: Establish and maintain high standards for engineering quality and reliability. Ensure our fraud detection systems are resilient, low-latency, and capable of processing massive data volumes without downtime. * Cross-Functional Leadership: Partner closely with Product Leaders, Risk officers, and other parts of the business to translate complex fraud patterns into robust technical features and automated mitigation strategies. * Team Development: Mentor and grow a high-performing organization of engineers and engineering managers. Foster an inclusive environment that encourages rapid prototyping, ethical AI practices, and continuous learning. * Merchant Advocacy: Interface with our largest global merchants to understand their unique risk profiles and ensure Adyen Protect provides the granular control and insights they need to grow their business safely. WHO YOU ARE: * ML & Data Enthusiast: You have a deep understanding of Machine Learning lifecycles, from data engineering and feature extraction to model deployment and monitoring. * Proven Leader: You have a track record of leading complex engineering organizations and managing other managers, specifically within high-growth fintech or SaaS environments. * Strategic Problem Solver: You can balance the immediate need for fraud mitigation with the long-term goal of reducing "false positives" to maximize merchant revenue. * Tech-Fluent: You remain technically literate and are comfortable diving into architecture discussions regarding distributed systems, data pipelines, and real-time processing. * Collaborative: You excel at building bridges between technical and non-technical stakeholders, explaining the "why" behind complex (ML) decisions. MINIMUM QUALIFICATIONS: * 7+ years of technical experience, including significant tenure as a hands-on software or machine learning engineer. * 5+ years of experience in manager-of-managers roles, overseeing multiple engineering teams. * Experience with High-Scale Systems: Proven track record of managing products that handle high-throughput, low-latency workloads (e.g., payments, cybersecurity, or real-time bidding). * Domain Expertise: Familiarity with fraud detection, risk management, or identity verification systems is highly preferred. Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.   This role is based out of our Amsterdam office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

Wolt Sverige AB

On the Global Merchant team, our mission is to provide best-in-class merchant selection—spanning restaurants and other verticals—to deliver exceptional value to consumers while empowering merchants to grow their businesses profitably on Wolt. We achieve this by building world-class operations, launching innovative products and working as one team across our 30 countries. We’re looking for a Senior Director to scale Wolt’s sales operations across 30 countries. This requires an exceptional strategic frontline sales leader who drives energy, competitiveness, and accountability. You will be responsible for new merchant acquisition, leading a sales organization of approximately 300 people spanning almost all Wolt countries. You will also lead Wolt’s Global Sales Strategy & Operations team that is responsible for sales and selection strategy, variable pay, sales tooling and sales compliance. Their job is to help every country and region win with best in class insights, processes and scalable playbooks. This is a management position with high visibility and direct influence on the company’s global success. This role will partner closely with other leaders across Operations, Finance, Analytics, Marketing and Product to build GTM strategies and deliver on Wolt’s overall goals. You will report to our Global Head of Merchant Business, Tuomas Hurmerinta. We expect this role to be flexible in terms of time spent remotely and in-office with the ability to travel as needed for in-person collaboration through training, offsites, team-building events, and other business-related necessities. This is a rare opportunity to have direct impact at global scale uniting commercial, operational, and strategic leadership to grow one of EMEA’s most loved consumer platforms. You're excited about this opportunity because you will… Be responsible for overseeing the sales strategy, operations, and performance of a dynamic marketplace within a larger organization. Develop, implement and execute a comprehensive business strategy to meet organisational objectives. Partner with crossfunctional leaders to implement new GTM strategies to unlock growth, to think boldly and two steps ahead as a way to ensure expansive opportunities are not missed. Lead, mentor, and manage a high-performing sales team. Continually improve the tools available to Sales and ads XFN teams to do their jobs more efficiently and effectively, especially determining how Gen AI and automation should be applied across all teams. Collaborate closely with other Wolt executives. Build alignment and visibility across Wolt and DoorDash, serving as the connective tissue between local teams in 30+ countries, product, analytics, and executive stakeholders. Build a world-class team that includes hiring new leaders as well as mentoring junior team members, fostering curiosity, rigour, and clarity in all analytical work while elevating the team’s technical and strategic maturity. We're excited about you because you have… Experience growing and leading sales teams at scale, across a multi-country footprint A strong track record of success in driving revenue and motivating teams at scale. Deep expertise in improving the productivity of Sales (and Account Management) teams, including compensation design, systems & CRM development, and accountability frameworks. A focus on dynamic marketplaces, ecommerce, or logistics environments. The ability to take ambiguous problems and solve them in a structured, hypothesis-driven, data-supported way. A self-starter with the determination to initiate and lead/own strategic projects to completion in a scrappy environment with a cross-functional team. Clear and concise communication with strong cross-functional partnership experience and an ability to influence senior leadership on critical decisions. Innate curiosity to understand how things work and a first-principles approach to problem solving. Hired, retained and developed A+ talent.