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Our Client Advisors turn inbound interest from small- and medium-sized businesses into Toptal clients. You will be the first conversation a prospective client has with Toptal.

Location: New York, NY (HQ); San Francisco, CA; Remote (US) Workplace: Hybrid ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. ABOUT THE ROLE How we build software is changing. Designers are building tools and agents, prototyping in code, and shipping directly into the product. More people can create software than ever before. That makes design judgment more important, not less. We’re looking for a Design Systems Lead to build that judgment into the foundations of Ramp. This is not just about maintaining a component library. It’s about making it possible for designers, engineers, and agents to build experiences that look, feel, and work like Ramp—without a designer driving every decision or the design systems team reviewing every change. You’re a designer first, with the technical depth to guide architecture and get into the code. You have exceptional taste and strong opinions about typography, hierarchy, interaction, and motion. Just as importantly, you know how to turn that judgment into patterns, tools, and guidance that make everyone else’s work better. You’re deeply curious about AI and already using it to change how you work. You build, experiment, inspect the results, and push past the demo. You can imagine a different way of building software—and lead a team toward it. This role is for you if you’re excited by: - Making great design reproducible. Raise the quality of Ramp’s product and encode what makes it good, so people and agents can produce coherent, usable experiences by default. The system should make excellent work easier, not make every experience look the same. - Reimagining what a design system can be. Build beyond components and tokens into composition, interaction patterns, agent guidance, and evaluations. Connect exploration and production so the fastest way to build is also a path to great quality. - Leading a team that multiplies everyone else’s impact. Create clear direction, ambitious goals, and a caring yet demanding environment. Inspire curiosity, develop people, and stay close enough to the work to help make it exceptional. The opportunity is to raise the floor for everyone building at Ramp, while giving designers more room to make the most important experiences extraordinary. WHAT YOU'LL DO - Lead and develop the design systems team. Set clear priorities, ownership, and goals. Give direct, timely feedback, hold people accountable, and help them do the best work of their careers. - Own the system’s vision and direction. Decide what to preserve, evolve, simplify, or replace based on what builders and customers need. Turn that direction into focused work the team can deliver. - Elevate Ramp’s visual and interaction design. Raise the bar for typography, hierarchy, density, motion, responsive behavior, accessibility, and the states beyond the happy path. - Make design judgment usable by people and agents. Translate principles into reusable patterns, reference experiences, composition rules, and guidance that produce better work without you in the room. - Guide technical architecture with engineering. Shape everything from components and tokens to how agents discover guidance, compose interfaces, and check their work. Make sound tradeoffs between flexibility, coherence, performance, and ease of use. - Stay hands-on. Build prototypes, work in code, and get into implementation details to test ideas, unblock the team, and understand where the system breaks down. - Define and measure quality. Build repeatable evaluations grounded in real tasks. Measure whether builders can ship better work faster, with less rework—not just whether they use the tools. - Improve the path from idea to shipped experience. Partner with engineering and AI teams on workflows that support fast exploration, useful iteration, and appropriate production safeguards. - Earn adoption. Work alongside product teams, listen closely, teach through examples, and turn recurring questions and exceptions into improvements to the system. - Keep the team moving forward. Experiment as models and tools evolve, share what you learn, and change direction when the evidence calls for it. WHAT YOU NEED - Experience leading and developing strong design or design engineering teams, with a track record of setting direction and delivering meaningful outcomes. - Exceptional visual and interaction design skills. Your work shows a clear point of view, attention to detail, and an ability to make complex experiences feel simple. - Deep systems thinking and experience building systems that other teams actually adopt. You can show how your work improved both their speed and the quality of what shipped. - Strong technical fluency. You can prototype and build in code, understand front-end architecture, and work through implementation tradeoffs with engineers—not just hand off specifications. - Active, hands-on use of AI in your design and building workflow. You understand where it helps, where it fails, and how to improve its output rather than accept it. - Experience turning design principles into practical guidance, reusable patterns, and quality checks that work at scale. - Strong product judgment and a habit of staying close to the people using what you build. You connect system decisions to real workflows and customer outcomes. - The ability to create clarity in ambiguity, make decisions, give difficult feedback, and maintain momentum without losing the quality bar. - Curiosity that borders on obsession about how AI changes software and how we build it—and the ability to ignite that curiosity in others. NICE TO HAVES - Experience building agent-usable design guidance, generation workflows, or evaluations for design quality. - Experience building developer or designer tools that became part of other teams’ daily workflow. - Experience leading a major design-system migration or company-wide change in how teams build. - Experience evolving a system across platforms or connecting product and brand experiences. - Founder or early-stage startup experience. BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf.   OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice

- Manage KYC processes for clients and counterparties, ensuring all required documentation is collected, reviewed and properly maintained. - Conduct Source of Funds (SoF) and Source of Wealth (SoW) reviews and coordinate the collection of supporting documentation.

Location: London, United Kingdom - Deliveroo Our Global Structure Deliveroo is now part of DoorDash, bringing together teams with even greater reach, scale, and ambition. Depending on your role, you may collaborate with teammates, systems, and leaders across DoorDash and Wolt. Together, we’re unlocking new possibilities as one global team. About the Team Our global Legal team has built a strong reputation within the company for our highly collaborative and supportive approach to counseling, always with a bias for action. We are a diverse group of lawyers and legal professionals with a shared passion for providing creative, best-in-class service to our business partners. The Competition & Litigation team advises DoorDash, Wolt, and Deliveroo on antitrust, competition, and litigation matters across every market we operate in. About the Role We are looking for a Senior Counsel, Competition & Litigation to join our growing Legal team and work globally across the DoorDash, Wolt, and Deliveroo brands. Reporting to the Director, Competition & Litigation, you’ll be a generalist antitrust attorney who can move fast: advising product and business teams in real time, supporting M&A and strategic investments alongside our Corporate Development team, and driving forward regulatory investigations and inquiries, with a particular focus on Europe. This is a hybrid role that will require you to work from our London HQ or Brussels office for a minimum of 3 days a week. You’re excited about this opportunity because you will… Serve as a trusted antitrust/competition advisor to product, business, and corporate development teams, delivering fast, practical counsel that lets the business move with velocity while properly managing risk. Advise on the competition and antitrust dimensions of M&A transactions, strategic investments, and commercial partnerships, partnering closely with Corporate Development and our sales teams. Manage antitrust and competition regulatory investigations and inquiries globally. Help build out DoorDash’s international competition compliance program, partnering with the Director, Competition & Litigation on training, policies, and processes across DoorDash, Wolt, and Deliveroo. Support competition-related litigation matters as needed, including document collection and review, witness preparation, and responses to third-party subpoenas. Partner with policy and government relations teams to track legal and regulatory developments that could affect the business. We’re excited about you because… You are a qualified solicitor in England & Wales (or bring similar qualifications in another European jurisdiction) with significant experience providing strategic legal advice to international businesses. You have 7+ years of experience at a leading law firm and/or in-house legal department, with a strong grounding in antitrust/competition law as a generalist — spanning M&A counseling, litigation, and regulatory/government investigations. You have experience advising on competition issues in mergers, acquisitions, and strategic investments, including regulatory filings and clearance strategy. You have experience handling antitrust/competition regulatory inquiries or investigations, ideally including direct engagement with regulators such as the European Commission, UK CMA, DOJ, FTC, or other competition authorities. You’re comfortable operating as a generalist across a broad portfolio — you don’t need deep pre-existing expertise in every sub-area, but you can quickly get up to speed and give practical, business-minded advice. You’re an excellent product counselor: able to translate complex antitrust concepts into clear, fast, actionable guidance for product and business teams. You’re comfortable working across multiple jurisdictions and legal systems, and can navigate the added complexity of advising across three global brands (DoorDash, Wolt, and Deliveroo). You have strong organizational skills and can juggle multiple concurrent workstreams in a fast-moving environment, both independently and as part of a team. You’re an outstanding communicator, both orally and in writing, with sound judgment on when to escalate and when to move forward independently. Why Join Us? At Deliveroo, you’ll do work that matters, solving real-world problems in a three-sided marketplace that’s constantly evolving. We’re food lovers, problem solvers, community builders and more, brought together by a shared drive to make things better. Working here you can expect to: 🔧 Make a visible impact every day Your work directly improves experiences for customers, partners and riders. 🌱 Learn fast in an entrepreneurial environment Partner closely with business stakeholders with autonomy, pace and real responsibility. 🧠 Learn something new everyday Stretch yourself, develop new skills and grow as the business evolves. 🌎 Deliver together in an inclusive culture Collaborative, values-driven teams that support how you work best. We aim to create a fair process that lets your skills shine. Our interview process typically includes 3-4 stages. Find more about how we hire here . Diversity, Equity and Inclusion At Deliveroo, we know that a great workplace reflects the world around us and that true diversity and inclusion make us stronger, more creative, and better at what we do. We’re committed to fostering an environment where everyone can do their best work and feel they belong. We believe in equality of opportunity and welcome candidates from all backgrounds regardless of age, gender, ethnicity, disability, sexual orientation, gender identity, socio-economic background, religion, or belief. If you have a disability or long-term health condition and need support to apply for one of our roles, or require any reasonable adjustments during the recruitment process, you’ll have the opportunity to let us know once you’ve submitted your application. We’ll share details on how to request support so we can ensure you have a fair and equitable experience. If you’re excited about making a real impact in a fast-moving marketplace and growing your career alongside ambitious, supportive teams, we’d love to hear from you! Beware of recruitment scams: DASH Brands will never ask you to pay money or share sensitive financial information during hiring — learn more about DASH Brands' legitimate recruiting process at careersatdoordash.com/recruitment-scam-awareness .

Location: Belgrade; Lisbon Workplace: OnSite Aghanim is an integrated commerce, liveops automation, community engagement, and payments platform for video games.   Mobile games have traditionally depended on app stores for distribution, payments, and player relationships. We believe there is a better way. Aghanim helps game studios build direct relationships with players, sell directly, and build their future on their own terms. Today, more than 100 games worldwide are already building this future with Aghanim.   Our team brings together people across Los Angeles, New York, Seoul, Beijing, London, Lisbon, Belgrade and other locations around the globe, with deep expertise in gaming, fintech and technology. We move quickly, keep communication direct, and focus on getting things done. We believe the best people thrive when they have autonomy, ownership, and a stake in the company's success. [https://app.ashbyhq.com/api/images/user-content/4f457f07-466b-477b-b552-fbbabd850111/2de3a7cd-8843-41a9-8bbe-ceb897a42c4a/Logo%20(horizontal).svg] We're looking for a Senior Frontend Engineer to join our payments team and help build and evolve our Checkout experience. Checkout is the final step in a mobile game purchase — the interface where players around the world complete payments every day. It operates across 200+ countries and supports 130 currencies, 25 languages, and 100+ payment methods. Its performance, reliability, and UX directly impact payment success rates, conversion, and revenue. KEY RESPONSIBILITIES - Build and improve Checkout: add new payment flows, payment methods, and third-party SDK integrations. - Build a fast, simple, mobile-first interface that works well across browsers, WebViews, and in-app browsers, including on low-end devices and slow networks. - Improve Checkout performance and stability by finding bottlenecks and fixing issues in key user flows. - Use product data and experiments to find friction in the Checkout funnel, test ideas, and improve conversion. - Investigate production issues using logs, traces, product events, and metrics, and work with APIs and backend services when needed. - Take part in technical decisions and code reviews and help maintain frontend code quality. REQUIRED QUALIFICATIONS - 5+ years of professional frontend development experience with strong TypeScript and React skills. - Strong understanding of browsers, networking, and mobile web. - Experience improving web performance, including FCP, LCP, profiling, bundle size, and resource loading. - Experience building payment or other transactional flows, such as checkout, subscriptions, wallets, or payment SDK integrations. - Strong debugging skills and ability to investigate problems beyond the frontend layer. - Ability to own your work from implementation and release to stable operation in production. PREFERRED QUALIFICATIONS - Experience in fintech, payments, e-commerce, gaming, or other consumer products with a large mobile audience. - Understanding of payment concepts such as 3DS, payment statuses, saved payment methods, declines, and refunds. - Understanding of frontend security, including CSP, iframe security, and PCI scope. - Ability to read Go or Python and understand backend logic and APIs. - Experience using AI tools in day-to-day development. WHY JOIN US - World-class team – work alongside experienced professionals from around the globe who have built products used by millions of players - High growth, high impact – be part of a fast-growing company where ideas turn into products and reach customers in days, not months - Autonomy and ownership – we trust people to make decisions, take initiative, and drive results - Modern tools and technology – use AI, automation, and modern tools as part of your everyday work - Equity – participate in the company's growth and long-term success

Location: London Workplace: OnSite Company Description We’re http://checkout.comCheckout.com http://Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. The Role We are excited to be growing our incredible London Legal team and are looking to hire 2 Legal Counsel with a strong regulatory background in financial services. As Legal Counsel, you will work closely with all areas of the business and take a collaborative approach to solving complex legal challenges. You will be expected to advise on compliance with financial services and payments regulations, interact with regulators and assist in the implementation of broader regulatory projects and product launches across the Checkout.com http://Checkout.com group. The successful candidate will be able to handle a busy workload with minimal supervision, demonstrating excellent critical judgment, quick thinking and agility. This is a great opportunity to work on a broad range of projects across multiple jurisdictions, learn new areas of law and play a key role in supporting the company’s rapid growth. You will be joining an expanding team in one of Europe's most valuable fintechs. Our mission is to be a legal team that exceeds expectations across the board, providing pragmatic and commercially focused advice, finding creative solutions to manage risk and becoming trusted advisers to our colleagues in the business. How You'll Make An Impact - This role is based in London at our global head office and sits within the regulatory vertical of our Legal department - Support relationships with regulators on license-related matters, including potential de novo applications - Review payments product structures, flows and terms to ensure compliance with legal requirements - Advise on payments regulatory matters, including compliance with payments laws and related regulations across our different jurisdictions - Advise on broader regulatory requirements applicable to payment services providers, including with respect to group regulatory change projects - Advise the business on market expansion, researching and evaluating new territories and applying for new licenses or expanding the scope of existing licenses - Advise key business functions on new regulatory developments impacting our operations, products and contractual commitments - Conduct research on various multi-jurisdictional legal issues - Support the company’s strategic projects and initiatives by providing creative, proactive and results-orientated advice What We Are Looking For - Qualified solicitor/lawyer (3-7 PQE) with strong post-qualification experience either in-house or in private practice - Strong understanding of legal principles applicable to payments in the UK, including the payments ecosystem and payments regulatory and licensing strategy/execution, and to broader financial institutions - Previous FinTech, payments, software, e-commerce and/or bank experience is desirable but not essential - Experience working in a start up or other fast-paced and dynamic environment is desirable but not essential - Comfort with ambiguity, constant change, and a fast-paced culture - A practical, solutions-oriented focus to solving legal challenges - Experience working internationally and on a variety of cross-border matters - Excellent time management skills and experience managing a diverse workload and competing stakeholder demands - Ability to work autonomously and collaboratively as needed, flexing the approach as the matter requires - Strong communication skills and the ability to articulate and explain complex legal issues clearly and concisely - Enthusiasm for new challenges and skilling up in different areas of law Additional Information Bring all of you to work We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. Life at Checkout.com http://Checkout.com We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection. Curious about what it’s like to be part of our team? Visit our Careers Page https://www.checkout.com/careers to learn more about our culture, open roles, and what drives us. For a closer look at daily life at Checkout.com http://Checkout.com, follow us on LinkedIn https://www.linkedin.com/company/checkout/life/ and Instagram https://www.instagram.com/checkout_com/

Location: Remote Workplace: hybrid Merkle Science provides blockchain transaction monitoring and intelligence solutions for web3 companies, digital asset service providers, financial institutions, law enforcement and government agencies to detect, investigate and prevent illicit use of cryptocurrencies. Our vision is to make cryptocurrencies safe and provide infrastructure for the safe and compliant growth of cryptocurrencies. Merkle Science is headquartered in New York with offices in Singapore, Bangalore and London. The team has combined experience across Bank of America, Paypal, Luno, Thomson Reuters and Amazon. The company has raised over US$27 MM from SIG, Beco, Republic, DCG, Kenetic, GGV and several others. 💥 What will you do? Conduct technical analysis and charting of cryptocurrencies, blockchain & RegTech market to create subject-specific content. Communicate content recommendations through market research reports. Forecast crypto & RegTech market trends. Create compelling and data-backed analytical articles for blogs. Leverage existing internal data sources to come up with research reports such as ‘2021 State of Crypto Crime,’ ‘Hack Trends 2021,’ etc. Optimize and Identify SEO best practices for content 🙋 What makes you a great addition to the team? Fluent in English. At least 2-4 years of writing experience Experience in analytical problem solving and quantitative analysis. Good understanding of the blockchain & cryptocurrency industry. Ability to work in a fast-changing, cross-functional environment, while maintaining an entrepreneurial approach and building rapport with ease Ability to take complex topics and create compelling narratives for target audiences ❤️ Well Being, Compensation and Benefits We care about your well-being. Along with excellent health insurance, we offer flexible time off, learning & development initiatives and hours that are designed to provide work/life balance.  We regularly host team-building sessions and encourage discussions around mental health.   We reward talent and believe in acknowledging people for their contributions.  We offer industry-leading compensation, along with generous equity.  As a rapidly growing business, there are endless opportunities to grow your career with Merkle Science.

Location: New York Workplace: remote ⚡️ About Merkle Science Merkle Science provides blockchain transaction monitoring and intelligence solutions for web3 companies, digital asset service providers, financial institutions, law enforcement and government agencies to detect, investigate and prevent illicit use of cryptocurrencies. Our vision is to make cryptocurrencies safe and provide infrastructure for the safe and compliant growth of cryptocurrencies. Merkle Science is headquartered in New York with offices in Singapore, Bangalore and London. The team has combined experience across Bank of America, Paypal, Luno, Thomson Reuters and Amazon. The company has raised over US$27 MM from SIG, Beco, Republic, DCG, Kenetic, GGV and several others. 👀  What are we looking for?    Education and Experience: Bachelor’s degree in Finance, Accounting, or a related field; MBA or CPA preferred. Minimum of 7 years of progressive experience in finance, with at least 3 years in a leadership role. Proven experience in the technology or blockchain industry is highly desirable.   Skills and Competencies: Strong knowledge of financial management, accounting principles, and financial regulations. Excellent analytical and problem-solving skills with a strategic mindset. Proficiency in financial software and tools, such as ERP systems, Excel, and financial modeling. Exceptional leadership and team management abilities. Strong communication and presentation skills, with the ability to convey complex financial information clearly. ❤️ Well Being, Compensation and Benefits We care about your well-being. Along with excellent health insurance, we offer flexible time off, learning & development initiatives and hours that are designed to provide work/life balance.  We regularly host team-building sessions and encourage discussions around mental health.   We reward talent and believe in acknowledging people for their contributions.  We offer industry-leading compensation, along with generous equity.  As a rapidly growing business, there are endless opportunities to grow your career with Merkle Science. 💥 What will you do? The Director of Finance at Merkle Science will be responsible for overseeing all financial operations, ensuring financial stability, and supporting strategic decision-making. This role involves managing the finance team, driving financial planning and analysis, and ensuring compliance with financial regulations. The ideal candidate will have a strong background in finance, excellent leadership skills, and a deep understanding of the technology and blockchain industry.   Responsibilities:  Financial Management: Oversee all financial operations and direct corporate financial planning and structure. Manage the preparation of financial reports, budgets, forecasts, and regulatory requirements. Ensure the accuracy and integrity of financial information and reporting. Develop and implement financial strategies to support the company's growth and profitability. Budgeting and Forecasting: Lead the budgeting process and quarterly forecasting updates. Monitor and analyze budget performance and implement corrective actions as necessary. Provide detailed financial analysis and modeling to support strategic initiatives.   Compliance and Strategic Planning: Ensure compliance with local, state, and federal financial regulations and standards. Develop and maintain policies and procedures to ensure financial governance. Partner with the executive team to develop and execute long-term financial strategies. Provide financial insights and recommendations to inform business decisions and strategies. Team Leadership and Stakeholder Communication Lead and mentor the finance team, fostering a culture of high performance and continuous improvement. Provide ongoing training and development opportunities for finance staff. Manage relationships with external auditors, investors, and financial institutions. Present financial reports and insights to the executive team, board of directors, and investors. Communicate financial performance and strategy to internal and external stakeholders.

Location: Almaty, Kazakhstan Workplace: OnSite WHY WORK AT HIGGSFIELD AI? Higgsfield AI is the fastest-scaling generative AI company in history, hitting $1B in annual revenue run rate, 30M+ users worldwide, 6M+ generations per day, and powering 390 of Fortune 500 brands. We're building at the absolute frontier of AI-powered video creation and next-generation creative tools. Joining Higgsfield means becoming part of a high-impact team shaping the future of AI-native experiences, at a company that isn't just moving fast, but rewriting what fast looks like. WHAT THIS ROLE MEANS AT HIGGSFIELD We sell subscriptions and credit packs to consumers in over a hundred countries, and today almost all of it moves as cross-border card payments in USD. That has three consequences, and this role owns all three. We are declined more than we should be. In some of our largest growth markets roughly one attempt in three fails, and a meaningful share of those are not "no money" — they are cross-border blocks, card limits, stale credentials on renewal, and issuers who do not recognise us. We pay more than we should. Our blended cost of acceptance is the single largest line below compute, and the majority of the network component sits on transactions our processor classes as cross-border. We are not on the rails our customers use. In two of our fastest-growing markets, the dominant local payment method is one we do not offer at all. You own the measurement and the argument behind fixing all of it. You make sure: - We know our true authorization rate — at the unit the business actually cares about, not the one that is easy to compute - Every basis point of payment cost has a name, a geography and an owner - A decline is a diagnosis, not a statistic - When we propose a new rail, a new entity or a new processor arrangement, the number underneath it holds up to Stripe's own analysis and to our board's WHAT YOU WILL DO Authorization & decline analysis - Own authorization rate end to end: by country, issuer, BIN, card brand and funding type, plan price point, first payment vs renewal, and payment method. - Build and maintain the decline taxonomy — what each decline code actually means, which are recoverable, which are terminal, and which are us rather than them. - Measure at the right unit. An invoice that succeeds on the third retry is a success, not two failures and a success, and reporting it the other way has made teams optimise the wrong thing. - Separate soft declines we can recover from hard declines we cannot, and put a number on the recoverable pool. Cost of acceptance - Own the blended take rate and its decomposition: interchange, scheme fees, processor markup, cross-border and currency-conversion components, disputes, and the fixed per-transaction pieces. - Find where the cost actually sits. Averages hide it — the cost is concentrated by corridor, by card type and by whether the transaction is domestic. - Build the evidence for commercial conversations with our processor, and keep it current enough to reuse. Local payment methods, entities and routing - Size the case for new rails market by market: what share of local commerce runs on them, what our current card performance costs us, and what we would realistically recover. - Model merchant-of-record and local-acquiring arrangements against the alternative of our own entities, honestly — including the fee we would pay for the privilege. - Design and read the experiments that prove it, with the product analytics team. A new payment method is an A/B test, not a launch. Renewals, dunning and involuntary churn - Own the retry and dunning strategy as a measurable system: when to retry, how often, through which rail, and when to stop. - Quantify involuntary churn separately from voluntary. They look identical in a cancellation count and they need completely different fixes. - Track the health of stored credentials — network tokens, card-account-updater coverage, expiring cards — because in a subscription business that is silent revenue leakage. Disputes, refunds and reconciliation - Own dispute and chargeback rates against network thresholds, with the lag handled properly — disputes arrive weeks after the charge and a same-period denominator understates you. - Reconcile processor data to the revenue ledger and explain the differences rather than plugging them. - Work with the antifraud team where disputes are abuse rather than genuine dissatisfaction. HOW WE WORK - SQL and Python on raw processor and billing data in BigQuery. We use AI heavily — resourcefulness beats syntax. - Partner with Finance (the numbers get booked), Product (checkout and paywall), Engineering (the billing integration) and our processor's team directly. WHO WE'RE LOOKING FOR - 2+ years in payments analytics, payment operations, billing, or risk at a merchant, PSP, acquirer, or fintech. This is a domain role — general analytics experience without payments does not transfer quickly enough. - Fluency in the actual mechanics: authorization vs capture vs settlement, decline codes, 3DS and SCA, network tokens and account updater, interchange and scheme fees, chargeback lifecycle, MCC, BIN, cross-border and DCC. - Strong SQL, without help. Most of this job is joining sessions to intents to charges to invoices to refunds across imperfect keys and getting the denominator right. - Python at working level for analysis. - The instinct to check the unit of measurement before quoting a rate — per attempt, per invoice, per user, per session are four different numbers and only one of them answers the question. - Comfort with subscription billing specifically: renewals, proration, plan changes, failed payments, dunning, involuntary churn. - Commercial judgment: you can build the case for a rail or a rate and defend it against a vendor who does this for a living. - Clear written and spoken English, B2+. Backgrounds that often do well: - Payment operations or payments analytics at a consumer subscription, marketplace or gaming company - Analysts from PSPs, acquirers, orchestration platforms or card networks - Billing / revenue operations analysts who owned dunning and involuntary churn - Risk or chargeback analysts who moved toward the acceptance side WHAT THIS ROLE IS NOT This role is not a fit if you: - Want to own checkout UX or pricing — that is Product Analyst, and it is open - Want to build fraud models — that is the Antifraud data scientist, and it is open - Would report an authorization rate without saying what the denominator was - Would take a processor's own analysis of their own performance at face value - Need someone else to prepare the data - Want predictable 9–5 workdays HIRING PROCESS - Screening call (30 min) - Hiring-manager screen (30 min) - Business case (1 hour) - Take-home with real-shaped data (7 days, ~10–12 hours of work) - Team interview (60 min) - Paid on-site trial (1 month) THE DEAL - Competitive salary in USD - Equity: participation in the company's stock option program - On-site role in Almaty, Kazakhstan - Relocation support (flight + temporary housing) - Flat structure, high autonomy, fast career growth

Location: New York Workplace: remote ⚡️ About Merkle Science Merkle Science provides blockchain transaction monitoring and intelligence solutions for web3 companies, digital asset service providers, financial institutions, law enforcement and government agencies to detect, investigate, and prevent illicit use of cryptocurrencies. Our vision is to make cryptocurrencies safe and provide infrastructure for the safe and compliant growth of cryptocurrencies. Merkle Science is headquartered in New York with offices in Singapore, Bangalore and London. The team has combined experience across Bank of America, Paypal, Luno, Thomson Reuters and Amazon. The company has raised over $27M from SIG, Beco, Republic, DCG, Kenetic, GGV and several others. Be the primary point of contact and build long-term relationships with customers.  Customer champion within Merkle Science who will work closely with the product team to advocate for key requirements of customers and identify new opportunities. Develop a trusted advisor relationship with key accounts, customer stakeholders and executive sponsors. Ensure the timely and successful delivery of our solutions according to customer needs and objectives. Communicate clearly the progress of monthly/quarterly initiatives to internal and external stakeholders. Forecast and track key account metrics. Enhance department and organization's reputation by accepting ownership for accomplishing new and different requests. Responsible for keeping current clients satisfied and delivering exceptional client service on a day-to-day basis. Monitor and analyze customer's usage of our product. Responsible for working with the Sales team to onboard and integrate new clients and developing existing client relationships. Drive upsells within existing customer base. Fluent in English. At least 3 years of prior account management experience. Previous compliance/web3/blockchain experience. At least 1 prior early-stage startup experience. Proven ability to upsell with exceptionally strong relationship and people management capabilities. A creative problem solver, results driven and self-motivated. Possesses a resilient personality and reacts well under pressure. High emotional intelligence, well organized with the ability to prioritize workload and use time effectively. Ability to handle changing requirements and unforeseen problems rapidly and positively  ❤️ Well Being, Compensation and Benefits We care about your well-being. Along with excellent health insurance, we offer flexible time off, learning & development initiatives and hours that are designed to provide work/life balance.  We regularly host team-building sessions and encourage discussions around mental health.   We reward talent and believe in acknowledging people for their contributions.  We offer industry-leading compensation, along with generous equity.  As a rapidly growing business, there are endless opportunities to grow your career with Merkle Science.

Location: United States Workplace: Remote BUILDING THE FUTURE OF OPEN FINANCE Payward - the parent company behind Kraken, NinjaTrader, Breakout, xStocks, Payward Services and CF Benchmarks - has spent the last 15 years building one of the most modern and globally accessible financial infrastructure platforms in the industry, built to advance an open, global financial system. THE TEAM Founded in 2011, Kraken is one of the world's longest-standing crypto platforms, trusted by over 10 million individuals and institutions across the globe. It offers spot trading, margin, futures, staking, and OTC services, with products built for both individual investors and institutional clients.   Kraken's Compliance Operations teams, including the Financial Intelligence Unit (FIU), investigations and enhanced due diligence, are the front line of how Kraken detects and responds to financial crime. The systems they run on sit within Core Services Product, alongside the engineering teams who build them. That covers alert ingestion, case management, investigator tooling and a growing set of automation and AI tools.   This role owns the product for that investigation platform. That means how an alert is created, enriched, grouped and suppressed. How it becomes a case. How an investigator reaches and documents a decision. And how every step is evidenced to a regulator or auditor. You'll start with the FIU, where the workflows are most complex and the audit bar is highest, then extend the platform across Compliance Operations.   THE OPPORTUNITY - Own the investigation-platform roadmap end to end. Sequence it and defend it, and re-sequence it when a regulator or the RCO raises a P0. - Define "done" before build starts. Write phased deliverables and acceptance criteria that Compliance signs off, and hold the line when scope moves. - Get requirements in before engineering starts. Build the intake between Compliance policy, monitoring rules and case management so that changes don't reach investigators before their workflows are ready. - Understand the process before building. Reconcile policy and SOPs against what investigators actually do and what the system actually does. Know the difference between a process fix and a technical one, and say which requests are in scope for engineering. - Understand the pipeline well enough to challenge it: ingestion, profile and transaction resolution, suppression and grouping logic, and reconciliation between vendor output and case management. Be able to walk an auditor through it with live examples. - Make auditability a first-class requirement: audit trail, data lineage, evidence retention, reviewer attribution, change-management controls, and validation of filtering and suppression logic. - Ship automation and AI into regulated workflows with controls that hold up in Compliance, IT and privacy audits. That means human-in-the-loop design, explainability and ongoing monitoring. - Run the operating rhythm: a shared forum with engineering and adjacent product managers, a regular stakeholder update, and one delivery status that everyone reads the same way.   WHAT YOU BRING - 4+ years of product management, including 2+ years on financial-crime systems such as transaction monitoring, investigations, case management, KYC/EDD or sanctions screening. - Working knowledge of how an AML programme is examined, including the questions regulators, internal audit and model validation ask about monitoring, filing and control systems. - The technical fluency to go deep on data flows and system design with engineers, and to spot when a design won't meet the requirement. - A track record of shipping internal tools or operational platforms that measurably changed how an operations team works. - Clear, concise writing, from PRDs and phase plans to audit walkthroughs and executive updates. - The judgement to tell a senior stakeholder a timeline isn't realistic because the requirements aren't written yet, and to keep the relationship intact.     NICE TO HAVES - Direct FIU experience, such as alert disposition, SAR/STR filing or leading investigators. - Crypto or digital-asset experience, such as blockchain analytics, wallet-level transaction analysis or focal vs counterparty logic. - Experience shipping AI or ML into a regulated investigative workflow, including the control design. - Build-vs-buy and vendor evaluation for monitoring or case-management tooling. - Experience with programmes that span jurisdictions (UK, EU/MiCA, US).       Unless a specific application deadline is stated in the job posting, applications are accepted on an ongoing basis. Please note, applicants are permitted to redact or remove information on their resume that identifies age, date of birth, or dates of attendance at or graduation from an educational institution. We consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. OUR COMMITMENT Payward is powered by people from around the world and we celebrate the diverse talents, backgrounds, contributions, and unique perspectives that everyone brings to the table. We hire based on merit, seeking out people with the right abilities, knowledge, and skills for the job. We encourage you to apply for roles where you don't fully meet the listed requirements, especially if you're passionate or knowledgeable about crypto. We may ask candidates to complete job-related skills or work-style assessments as part of our hiring process. These assessments evaluate competencies relevant to the role and are applied consistently across candidates for similar positions. Results are considered alongside experience and interviews, and are not the sole basis for any employment decision. As an equal opportunity employer, we don't tolerate discrimination or harassment of any kind, whether based on race, ethnicity, age, gender identity, citizenship, religion, sexual orientation, disability, pregnancy, veteran status, or any other protected characteristic as outlined by federal, state, or local laws. Stay connected Follow us on Twitter https://twitter.com/krakenfx Learn on the Kraken Blog https://blog.kraken.com/#:~:text=Enter%20your%20email%20address Connect on LinkedIn https://www.linkedin.com/company/kraken-exchange/ Candidate Privacy Notice https://www.kraken.com/legal/candidate-privacy-notice

Location: United Kingdom; Brazil; United Arab Emirates; Ireland; Peru; Sweden; Colombia; Argentina; Romania; Cyprus; Switzerland; Portugal; Lithuania; South Africa; Czech Republic; Canada; Hungary; Mexico; Chile; Poland; Spain; Bulgaria Workplace: Remote BUILDING THE FUTURE OF OPEN FINANCE Payward - the parent company behind Kraken, NinjaTrader, Breakout, xStocks, Payward Services and CF Benchmarks - has spent the last 15 years building one of the most modern and globally accessible financial infrastructure platforms in the industry, built to advance an open, global financial system. THE TEAM Founded in 2011, Kraken is one of the world's longest-standing crypto platforms, trusted by over 10 million individuals and institutions across the globe. It offers spot trading, margin, futures, staking, and OTC services, with products built for both individual investors and institutional clients.   Kraken's Compliance Operations teams, including the Financial Intelligence Unit (FIU), investigations and enhanced due diligence, are the front line of how Kraken detects and responds to financial crime. The systems they run on sit within Core Services Product, alongside the engineering teams who build them. That covers alert ingestion, case management, investigator tooling and a growing set of automation and AI tools. This role owns the product for that investigation platform. That means how an alert is created, enriched, grouped and suppressed. How it becomes a case. How an investigator reaches and documents a decision. And how every step is evidenced to a regulator or auditor. You'll start with the FIU, where the workflows are most complex and the audit bar is highest, then extend the platform across Compliance Operations.   THE OPPORTUNITY - Own the investigation-platform roadmap end to end. Sequence it and defend it, and re-sequence it when a regulator or the RCO raises a P0. - Define "done" before build starts. Write phased deliverables and acceptance criteria that Compliance signs off, and hold the line when scope moves. - Get requirements in before engineering starts. Build the intake between Compliance policy, monitoring rules and case management so that changes don't reach investigators before their workflows are ready. - Understand the process before building. Reconcile policy and SOPs against what investigators actually do and what the system actually does. Know the difference between a process fix and a technical one, and say which requests are in scope for engineering. - Understand the pipeline well enough to challenge it: ingestion, profile and transaction resolution, suppression and grouping logic, and reconciliation between vendor output and case management. Be able to walk an auditor through it with live examples. - Make auditability a first-class requirement: audit trail, data lineage, evidence retention, reviewer attribution, change-management controls, and validation of filtering and suppression logic. - Ship automation and AI into regulated workflows with controls that hold up in Compliance, IT and privacy audits. That means human-in-the-loop design, explainability and ongoing monitoring. - Run the operating rhythm: a shared forum with engineering and adjacent product managers, a regular stakeholder update, and one delivery status that everyone reads the same way.   WHAT YOU BRING - 4+ years of product management, including 2+ years on financial-crime systems such as transaction monitoring, investigations, case management, KYC/EDD or sanctions screening. - Working knowledge of how an AML programme is examined, including the questions regulators, internal audit and model validation ask about monitoring, filing and control systems. - The technical fluency to go deep on data flows and system design with engineers, and to spot when a design won't meet the requirement. - A track record of shipping internal tools or operational platforms that measurably changed how an operations team works. - Clear, concise writing, from PRDs and phase plans to audit walkthroughs and executive updates. - The judgement to tell a senior stakeholder a timeline isn't realistic because the requirements aren't written yet, and to keep the relationship intact.     NICE TO HAVES - Direct FIU experience, such as alert disposition, SAR/STR filing or leading investigators. - Crypto or digital-asset experience, such as blockchain analytics, wallet-level transaction analysis or focal vs counterparty logic. - Experience shipping AI or ML into a regulated investigative workflow, including the control design. - Build-vs-buy and vendor evaluation for monitoring or case-management tooling. - Experience with programmes that span jurisdictions (UK, EU/MiCA, US).       Unless a specific application deadline is stated in the job posting, applications are accepted on an ongoing basis. Please note, applicants are permitted to redact or remove information on their resume that identifies age, date of birth, or dates of attendance at or graduation from an educational institution. We consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. OUR COMMITMENT Payward is powered by people from around the world and we celebrate the diverse talents, backgrounds, contributions, and unique perspectives that everyone brings to the table. We hire based on merit, seeking out people with the right abilities, knowledge, and skills for the job. We encourage you to apply for roles where you don't fully meet the listed requirements, especially if you're passionate or knowledgeable about crypto. We may ask candidates to complete job-related skills or work-style assessments as part of our hiring process. These assessments evaluate competencies relevant to the role and are applied consistently across candidates for similar positions. Results are considered alongside experience and interviews, and are not the sole basis for any employment decision. As an equal opportunity employer, we don't tolerate discrimination or harassment of any kind, whether based on race, ethnicity, age, gender identity, citizenship, religion, sexual orientation, disability, pregnancy, veteran status, or any other protected characteristic as outlined by federal, state, or local laws. Stay connected Follow us on Twitter https://twitter.com/krakenfx Learn on the Kraken Blog https://blog.kraken.com/#:~:text=Enter%20your%20email%20address Connect on LinkedIn https://www.linkedin.com/company/kraken-exchange/ Candidate Privacy Notice https://www.kraken.com/legal/candidate-privacy-notice

Location: London Workplace: remote About Merkle Science: Merkle Science provides blockchain transaction monitoring and intelligence solutions for web3 companies, digital asset service providers, financial institutions, law enforcement and government agencies to detect, investigate and prevent illicit use of cryptocurrencies. Our vision is to make cryptocurrencies safe and provide infrastructure for the safe and compliant growth of cryptocurrencies.   Merkle Science is headquartered in New York with offices in Singapore, Bangalore and London. The team has combined experience across Bank of America, Paypal, Luno, Thomson Reuters and Amazon. The company has raised over US$27 MM from SIG, Beco, Republic, DCG, Kenetic, GGV and several others.   Responsibilities:   ·       Collaborate with Account Executives to ensure alignment of event marketing strategy with account plans. ·       Plan, execute, and track all aspects of Merkle Science’s event presence globally to maximize lead generation and pipeline growth. ·       Define marketing objectives and metrics for events. Conduct post-event evaluations, report progress towards goals, and recommend optimization strategies. Regularly measure event impact against KPIs to inform decision-making and enhance alignment with broader business goals. ·       Ensure alignment with the overall business strategy by contributing to strategic development of event marketing plans. ·       Manage event marketing budgets and report regularly on budget utilization and performance. Track budget costs and proactively communicate scope changes that affect the budget. ·       Act as the point of contact and workstream leader for event marketing, supporting cross-functional teams and internal leaders. Collaborate with the Sales team to identify marketing-supported needs and potential gaps. ·       Ensure that all logistical information for event attendees is clearly communicated and organized, including event schedules, locations, registration details, and any additional relevant information to facilitate a seamless event experience. ·       Evaluate third-party opportunities and build vendor relationships to enhance market exposure, reduce cost, and ensure quality deliverables. ·       Stay informed about overall business development strategies including partner and key account plans, advocating for alignment where necessary. ·       Work alongside teams, suppliers, and other contributors through effective project management and collaboration to exceptional levels of execution of all assigned deliverables – on schedule and within budget. Qualifications: Minimum two years of experience in event marketing or field marketing. Knowledge in trade show project management is essential, from strategy, messaging, design, logistics, vendor management, budget, execution, to post-event analysis. Experience operating within B2B or B2G marketing ecosystems preferred. Proactive, self-motivated individual with excellent organizational and communication skills. Comfortable presenting strategy and results to senior leadership. Ability to manage multiple priorities in a fast-paced environment. Proficiency with Salesforce reporting and analysis of marketing funnel metrics. Occasional travel required, less than 20%. ❤️ Well Being, Compensation and Benefits We care about your well-being. Along with excellent health insurance, we offer flexible time off, learning & development initiatives and hours that are designed to provide work/life balance.  We regularly host team-building sessions and encourage discussions around mental health.     We reward talent and believe in acknowledging people for their contributions.  We offer industry-leading compensation, along with generous equity.  As a rapidly growing business, there are endless opportunities to grow your career with Merkle Science.

Location: London Workplace: remote About Merkle Science: Merkle Science provides blockchain transaction monitoring and intelligence solutions for web3 companies, digital asset service providers, financial institutions, law enforcement and government agencies to detect, investigate and prevent illicit use of cryptocurrencies. Our vision is to make cryptocurrencies safe and provide infrastructure for the safe and compliant growth of cryptocurrencies.   Merkle Science is headquartered in New York with offices in Singapore, Bangalore and London. The team has combined experience across Bank of America, Paypal, Luno, Thomson Reuters and Amazon. The company has raised over US$27 MM from SIG, Beco, Republic, DCG, Kenetic, GGV and several others.   Responsibilities:   ·       Collaborate with Account Executives to ensure alignment of event marketing strategy with account plans. ·       Plan, execute, and track all aspects of Merkle Science’s event presence globally to maximize lead generation and pipeline growth. ·       Define marketing objectives and metrics for events. Conduct post-event evaluations, report progress towards goals, and recommend optimization strategies. Regularly measure event impact against KPIs to inform decision-making and enhance alignment with broader business goals. ·       Ensure alignment with the overall business strategy by contributing to strategic development of event marketing plans. ·       Manage event marketing budgets and report regularly on budget utilization and performance. Track budget costs and proactively communicate scope changes that affect the budget. ·       Act as the point of contact and workstream leader for event marketing, supporting cross-functional teams and internal leaders. Collaborate with the Sales team to identify marketing-supported needs and potential gaps. ·       Ensure that all logistical information for event attendees is clearly communicated and organized, including event schedules, locations, registration details, and any additional relevant information to facilitate a seamless event experience. ·       Evaluate third-party opportunities and build vendor relationships to enhance market exposure, reduce cost, and ensure quality deliverables. ·       Stay informed about overall business development strategies including partner and key account plans, advocating for alignment where necessary. ·       Work alongside teams, suppliers, and other contributors through effective project management and collaboration to exceptional levels of execution of all assigned deliverables – on schedule and within budget. Qualifications: Minimum two years of experience in event marketing or field marketing. Knowledge in trade show project management is essential, from strategy, messaging, design, logistics, vendor management, budget, execution, to post-event analysis. Experience operating within B2B or B2G marketing ecosystems preferred. Proactive, self-motivated individual with excellent organizational and communication skills. Comfortable presenting strategy and results to senior leadership. Ability to manage multiple priorities in a fast-paced environment. Proficiency with Salesforce reporting and analysis of marketing funnel metrics. Occasional travel required, less than 20%. ❤️ Well Being, Compensation and Benefits We care about your well-being. Along with excellent health insurance, we offer flexible time off, learning & development initiatives and hours that are designed to provide work/life balance.  We regularly host team-building sessions and encourage discussions around mental health.     We reward talent and believe in acknowledging people for their contributions.  We offer industry-leading compensation, along with generous equity.  As a rapidly growing business, there are endless opportunities to grow your career with Merkle Science.

Location: London Workplace: hybrid Merkle Science provides blockchain transaction monitoring and intelligence solutions for web3 companies, digital asset service providers, financial institutions, law enforcement and government agencies to detect, investigate and prevent illicit use of cryptocurrencies. Our vision is to make cryptocurrencies safe and provide infrastructure for the safe and compliant growth of cryptocurrencies. Merkle Science is headquartered in New York with offices in Singapore, Bangalore and London. The team has combined experience across Bank of America, Paypal, Luno, Thomson Reuters and Amazon. The company has raised over US$27 MM from SIG, Beco, Republic, DCG, Kenetic, GGV and several others.  What will you do? ·       Key objectives include establishing Merkle Science as a thought leader in the US market and enabling the sales team to meet revenue targets ·       Working closely with the sales team to identify core value proposition and differentiators and creating a strategy to communicate it at scale to potential customers ·       Lead strategy for US market expansion by building on product messaging to set new products apart from others in the market to give Merkle a unique selling point ·       Work across multiple channels to communicate Merkle Science’s value proposition and differentiators in the competitive market. ·       Create sales tools and content such as case studies, videos, website copy and blog posts ·       Collaborate with cross-functional teams for market research, user testing and interviews to discover market opportunities ·       Coordinate closely with product management and engineering teams to determine product roadmap and establish go-to-market strategy for products ·       Establish and iterate on go-to-market strategy to reach revenue targets ·       Will manage his/her own team of designers and marketers. What are we looking for?  o   Fluent in English o   At least 2-4 years of prior marketing / product experience o   Prior startup experience or experience at a boutique firm is a big plus o   Previous compliance/finance/blockchain experience is a big plus  o   Experience in analytical problem solving and quantitative analysis, including development of dashboards and reporting tools o   Ability to lead analyses, track metrics, build strategic insights and find creative ways to optimize performance o    Ability to work in a fast-changing, cross-functional environment, while maintaining an entrepreneurial approach and building rapport with ease. Ability to take complex topics and create compelling narratives for different audiences. o   Excellent project management and stakeholder management skills. o   Excellent spoken, written, and presentation communication skills ❤️ Well Being, Compensation and Benefits We care about your well-being. Along with excellent health insurance, we offer flexible time off, learning & development initiatives and hours that are designed to provide work/life balance.  We regularly host team-building sessions and encourage discussions around mental health.   We reward talent and believe in acknowledging people for their contributions.  We offer industry-leading compensation, along with generous equity.  As a rapidly growing business, there are endless opportunities to grow your career with Merkle Science.

Location: Bangalore Workplace: hybrid ⚡️ About Merkle Science Merkle Science provides blockchain transaction monitoring and intelligence solutions for web3 companies, digital asset service providers, financial institutions, law enforcement and government agencies to detect, investigate and prevent illicit use of cryptocurrencies. Our vision is to make cryptocurrencies safe and provide infrastructure for the safe and compliant growth of cryptocurrencies. Merkle Science is headquartered in New York with offices in Singapore, Bangalore and London. The team has combined experience across Bank of America, Paypal, Luno, Thomson Reuters and Amazon. The company has raised over US$27 MM from SIG, Beco, Republic, DCG, Kenetic, GGV and several others. Be the primary point of contact and build long-term relationships with customers.  Customer champion within Merkle Science who will work closely with the product team to advocate for key requirements of customers and identify new opportunities. Develop a trusted advisor relationship with key accounts, customer stakeholders and executive sponsors. Ensure the timely and successful delivery of our solutions according to customer needs and objectives. Communicate clearly the progress of monthly/quarterly initiatives to internal and external stakeholders. Forecast and track key account metrics. Enhance department and organization's reputation by accepting ownership for accomplishing new and different requests. Responsible for keeping current clients satisfied and delivering exceptional client service on a day-to-day basis. Monitor and analyze customer's usage of our product. Responsible for working with the Sales team to onboard and integrate new clients and developing existing client relationships. Drive upsells within existing customer base. Fluent in English. At least 3 years of prior account management experience. Previous compliance/web3/blockchain experience. At least 1 prior early-stage startup experience. Proven ability to upsell with exceptionally strong relationship and people management capabilities. A creative problem solver, results driven and self-motivated. Possesses a resilient personality and reacts well under pressure. High emotional intelligence, well organized with the ability to prioritize workload and use time effectively. Ability to handle changing requirements and unforeseen problems rapidly and positively  ❤️ Well Being, Compensation and Benefits We care about your well-being. Along with excellent health insurance, we offer flexible time off, learning & development initiatives and hours that are designed to provide work/life balance.  We regularly host team-building sessions and encourage discussions around mental health.   We reward talent and believe in acknowledging people for their contributions.  We offer industry-leading compensation, along with generous equity.  As a rapidly growing business, there are endless opportunities to grow your career with Merkle Science.

Location: London Workplace: OnSite Company Description We’re http://checkout.comCheckout.com http://Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. The Role Checkout is looking for an experienced financial crime compliance lead to establish, grow, and maintain a global second-line team. This role will oversee the compliance frameworks supporting our rapidly evolving portfolio of mass market products. This opportunity is a perfect fit if you are excited by the prospect of leveraging the momentum and resources of a global scale-up to support the launch and scale of high velocity products. As products expand and launch, there will be an opportunity to grow your team across multiple regions. You will be expected to: - Build the Framework: Establish the global framework for second-line escalations for new products; working closely with relevant regional MLROs to ensure consistency and operational excellence. - Drive Cross-Functional Alignment: Partner with Risk, Operations, and Product teams to align compliance requirements with fraud mitigation and user experience goals. - Monitor Emerging Trends: Maintain a deep understanding of financial crime typologies, regulatory guidance, and emerging industry trends, ensuring these are proactively factored into our control framework and knowledge base. - Design & Deliver Training: Develop and deliver targeted training to business and compliance teams regarding complex financial crime and fraud risks inherent in high-volume environments. - Ensure Compliance-by-Design: Partner with our Regulatory Compliance function to integrate compliance requirements early in the product development lifecycle. - Own Compliance Requirements: Assume central responsibility for mapping and maintaining SDD, CDD, and EDD requirements for our evolving product set, ensuring relevant factors are codified into global minimum standards. - Strategic Advisory: Directly advise Product and Operations teams on the opportunities and risks associated with automation, AI deployment, and system scale. - Integrate Risk Assessments: Collaborate closely with regional MLROs to ensure product-specific risk profiles are accurately captured and factored into Business-Wide Risk Assessments. - Implement Assurance: Collaborate with our Assurance and Internal Controls team to design and execute robust compliance monitoring processes for new product lines. Experience we are looking for: - 6+ years of second-line compliance experience in fintech, payments, or banking at scale (neobank/fintech experience strongly preferred). - Deep expertise in financial crime (AML/CFT/Sanctions/Fraud) risk, with regulatory compliance experience as a strong plus. - Experience growing and leading a team, with cross-border/global management experience highly desirable. - Proven track record in architecting frameworks for high-volume environments and working directly with technical/product stakeholders to design solutions. Personal qualities we look for: - Confident decision-maker: Ability to quickly assess risks, weigh mitigations, and provide strong, defensible rationale for your decisions. - Technical fluency: Comfortable working directly with technical leaders to drill down into the configuration of user journeys, systems, and tooling. - AI-first mindset: Experience deploying AI or automation tools to accelerate compliance processes at scale. - Strategic thinker: Ability to immerse yourself in fine details while keeping the broader organisational picture in mind. - Growth-oriented: Relentlessly curious and driven; always learning and spotting opportunities to develop yourself and others. - Proportionate and Collaborative: An obsession with balancing strong compliance with scalability and user experience, supported by exceptional interpersonal and communication skills. Additional Information Bring all of you to work We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. Life at Checkout.com http://Checkout.com We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection. Curious about what it’s like to be part of our team? Visit our Careers Page https://www.checkout.com/careers to learn more about our culture, open roles, and what drives us. For a closer look at daily life at Checkout.com http://Checkout.com, follow us on LinkedIn https://www.linkedin.com/company/checkout/life/ and Instagram https://www.instagram.com/checkout_com/

Location: Paris Workplace: OnSite Company Description We’re http://checkout.comCheckout.com http://Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. Please make your application, including your CV, in English Language. We are a global compliance team headquartered out of London. About the role As a Senior Analyst – Permanent Controls, you will join the Permanent Controls team, a global Second Line of Defence (2LoD) function based across Paris and Mauritius. Reporting directly to the Head of Permanent Controls within the Compliance department, you will focus on the financial perimeter, exercising second-line control, independent oversight, and framework monitoring over the organization's finance domain. You will partner closely with the First Line of Defence (1LoD) to establish control standards, design control matrices, and provide guidance when needed. You will also execute 2LoD control plans, issue formal findings, and track recommendations through to resolution.   Sitting in the Second Line of Defense, the global Permanent Controls team serves as an ongoing, trusted advisor and objective challenge to operational teams (1LoD), helping them design robust controls and ensure operational integrity across the organization. Unlike periodic audit functions, Permanent Controls operates continuously to proactively identify vulnerabilities, standardize control frameworks, and foster a strong risk culture.   Note on Governance: This is a 2LoD function focused on ongoing control design, execution, and 1LoD enablement. It is distinct and independent from the Internal Audit (3LoD) function within Checkout.com.   Key responsibilities - Control Design: Collaborate with stakeholders to translate identified risks into comprehensive 2nd line control plans, standards, and templates. - 1LoD Enablement: Partner with the First Line of Defence teams to design, refine, and assess their control matrices, ensuring alignment with internal standards and regulators' expectations (ACPR, FCA..). - Execution & Testing: Formalize and execute second line permanent controls across critical perimeters, including: - Financial regulatory reporting across global entities (France, UK, US, etc.). - Accuracy of financial data, accounting standards, and reconciliations. - Internal financial processes, procedures, and statutory compliance (including the Order of 3 December 2014). - Safeguarding mechanisms (flow of funds, compliance with safeguarding measures, timelines, and incident monitoring). - Reporting & Escalation: Present detailed control findings and anomaly reports to the Head of Permanent Controls; track the implementation of remediation recommendations. - Proactive Continuous Improvement: Identify operational control gaps, take the initiative to propose practical solutions, and drive improvements to the overall control framework. - Tooling & Automation: Contribute to the implementation and optimization of automated control tools, tracking dashboards, and recommendation monitoring systems whenever possible.   About You - Experience: 5 years of experience in Financial Audit, Internal Control, or Financial Reporting within the financial services (banking, Fintech..) or payments industry. - Regulatory Context: Familiarity with regulatory frameworks and ACPR expectations is strongly preferred. - Mindset & Working Style: - Proactive & Autonomous: A "go-getter" who takes ownership, anticipates control gaps, and brings actionable solutions to the table rather than waiting for direction. - Naturally Curious: A drive to understand end-to-end business operations, data flows, and complex payment mechanics. - Rigorous & Analytical: Meticulous attention to detail with an ability to leverage data analytics to evaluate controls, transactions and processes objectively. - Languages: Fluency in French and English is required. - Communication: Strong stakeholder management skills, with the ability to communicate clear findings and influence decision-making across lines of defence.   Additional Information Bring all of you to work We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. Life at Checkout.com http://Checkout.com We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection. Curious about what it’s like to be part of our team? Visit our Careers Page https://www.checkout.com/careers to learn more about our culture, open roles, and what drives us. For a closer look at daily life at Checkout.com http://Checkout.com, follow us on LinkedIn https://www.linkedin.com/company/checkout/life/ and Instagram https://www.instagram.com/checkout_com/