Up to £110,000 plus excellent bonus and benefitsAre you a senior payments risk expert with a deep understanding of the merchant acquiring ecosystem?Due to exciting business growth, we are recruiting on behalf of a leading UK-based FinTech EMI that specializes in card issuing and acquiring. This is a high-impact leadership role designed for a strategic operator who can oversee the entire first-line risk monitoring lifecycle-from transaction surveillance and fraud trends to card scheme compliance.The RoleAs the Head of Risk Monitoring, you will serve as the operational right hand to the Chief Risk Officer (CRO). You will have full strategic and operational oversight of the merchant portfolio, ensuring all activity remains within the internal risk appetite and meets rigorous regulatory standards.Key Responsibilities of the Head of Risk Monitoring (FLOD) to include:Monitoring Framework Leadership: Own the first-line operating model for merchant, transaction, fraud, and dispute surveillance.Transaction and Fraud Oversight: Lead the daily triage of transaction monitoring alerts to identify unusual or suspicious merchant activity and manage fraud/chargeback performance.Data-Driven Rule Optimization: Collaborate with Data and Tech teams to optimize rule sets, dashboards, and automation to enhance decision quality.Card Scheme Compliance: Monitor merchant performance against Visa and Mastercard triggers, ensuring early identification of root causes and corrective actions.Exposure Manag