Head of Engineering ( Payment )

• Engineering Standards & Practices: Establish high engineering standards for the development of secure, scalable, and efficient payment and fraud detection systems, ensuring compliance with industry regulations.
• Team Leadership & Mentorship: Lead and mentor cross-functional engineering teams (including back-end, front-end, QA) with a focus on professional development, fostering innovation and ownership.
• Cross-Functional Collaboration: Collaborate with Product, Compliance, Risk, and Finance teams to ensure payment systems, fraud detection protocols, and monitoring tools are aligned with business needs and regulatory standards.
• Hiring & Team Development: Recruit, develop, and retain top talent in payment and fintech engineering, fostering a culture of continuous learning and professional growth.

• Payment Infrastructure Strategy: Lead the development of the payment platform's architecture, focusing on improving transaction performance, scaling systems for growth, and reducing downtime.
• Fraud Detection & Prevention: Develop, use, and implement advanced fraud detection rules and machine learning models to detect suspicious activities in real-time, ensuring compliance with KYC, AML, and regulatory standards.
• Project & Resource Management: Oversee the planning, development, and execution of payment and fraud detection features, ensuring projects are delivered on time, within scope, and within budget.
• Payout Systems: Manage the development and optimization of payout systems, ensuring smooth and timely payments to merchants and stakeholders.
• Risk Management & Security: Ensure robust security measures are implemented to protect sensitive payment data, working with compliance teams to maintain adherence to standards such as PCI-DSS and GDPR.

• Payment Processing Expertise: Lead the development and optimization of the payment processing system, reducing transaction failures and improving acceptance rates through smart routing, tokenization, and payment gateway integrations.
• Fraud Detection Rules: Implement and refine fraud detection rules that adapt to changing fraud patterns, leveraging machine learning and analytics to minimize false positives and enhance real-time threat detection.
• Payment Gateway Integration: Oversee the integration of multiple payment gateways, optimizing transaction routing and redundancy to ensure seamless processing.
• Acceptance Rate Enhancement: Use data and analysis to identify and implement strategies for increasing payment acceptance rates, reducing transaction declines, and improving customer satisfaction.
• Technical & Knowledge Responsibilities:
• Systems Monitoring & Performance Management: Establish advanced monitoring systems for real-time tracking of payment transactions, fraud detection activities, system health, and performance metrics. Ensure prompt issue resolution and minimal system downtime.
• Security & Compliance: Ensure the platform complies with regulatory standards, focusing on fraud detection, anti-money laundering (AML), and Know Your Customer (KYC) regulations. Collaborate with legal and compliance teams to maintain certifications like PCI-DSS.
• Data-Driven Decision Making: Leverage analytics and machine learning to monitor and predict system performance, fraud activities, and payment failures. Use data insights to continuously optimize the platform.

• Payment Acceptance Rates: Enhance acceptance rates by optimizing payment gateways and transaction routing, while minimizing fraud-related chargebacks.
• System Uptime & Performance: Maintain high system availability (99.9%+) through proactive monitoring, ensuring consistent performance with minimal downtime.

• Fraud Detection Efficiency: Improve fraud detection accuracy, reducing false positives while maintaining high levels of fraud prevention and detection.
• Customer Satisfaction: Deliver a seamless payment experience by reducing transaction failures and fraud-related issues, improving NPS scores and customer engagement.

• 10+ years of experience in software engineering, with 5+ years in a leadership role within payment processing or fintech.
• Extensive experience with fraud detection systems, payment gateways, and high-volume transaction platforms.
• Expertise in payout systems, payment acceptance rate optimization, and secure transaction management.
• Strong knowledge of regulatory standards (PCI-DSS, AML, GDPR).
• Expertise in cloud-based infrastructure (AWS, Cloudflare, ..etc) and real-time system monitoring.
• Strong leadership skills with a focus on mentoring and growing high-performing teams.
• Ability to balance strategic thinking with hands-on problem-solving in a fast-paced fintech environment.
• Experience with fraud detection algorithms, machine learning models, and data-driven decision-making is a plus.

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