Build & maintain strong relationships with cross-functional stakeholders by working collaboratively with colleagues & senior leaders to enable compliant, customer-centric Credit solutions & experiences. Proactively engage with business partners to understand their needs & identify opportunities for process & control enhancements. Serve as a subject matter expert in regulatory & compliance risk by helping identify & prioritize risks, while providing effective challenge & oversight across issue & incident management, risk assessments, regulatory change management, & complaint monitoring. Partner across all lines of defense to embed robust compliance standards throughout the risk lifecycle. Additionally, support the intake & review of product-related initiatives - including new products, enhancements, regional expansions, & deprecations - by delivering strategic compliance guidance throughout the entire product lifecycle, ensuring timely identification & mitigation of regulatory & incremental risks associated with these changes.

Partnered with key stakeholders across the enterprise to proactively identify, document, refine, & assess active & emerging risks & controls, while collaborating with both internal & external partners to effectively mitigate risks associated with new product launches, changes, & issues. Applied a structured, methodical approach to problem-solving to ensure thorough analysis & development of effective solutions, driving alignment & implementation of enhancement opportunities through Enterprise Risk Priorities & Risk & Compliance Plans. Additionally, initiated & led a complex product lifecycle risk & process mapping initiative, delivering end-to-end documentation enhancements for Buy Now Pay Later (BNPL) products across three critical markets.

Partnered with key stakeholders across the enterprise to proactively identify, document, refine, & assess active & emerging risks & controls, while collaborating with both internal & external partners to effectively mitigate risks associated with new product launches, changes, & issues. Applied a structured, methodical approach to problem-solving to ensure thorough analysis & development of effective solutions, driving alignment & implementation of enhancement opportunities through Enterprise Risk Priorities & Risk & Compliance Plans.

Conducted comprehensive global due diligence investigations & underwriting for prospective & expanding merchants & partners, including detailed financial statement analysis, AML / CTF / BSA & KYC / KYB / CIP compliance verification, & thorough vetting across a range of high-risk verticals. Collaborated closely with cross-functional stakeholders, including Sales & other internal teams, to support front book growth while maintaining strong risk & compliance standards. Additionally, engaged in cross-training initiatives to help build the next generation of risk & compliance professionals, fostering knowledge sharing & strengthening organizational capabilities.

Performed thorough onboarding investigations & underwriting for prospective US merchants, incorporating detailed business financial analysis alongside AML / BSA & KYC / KYB compliance vetting. Supported Operations teams by conducting in-depth analysis of potential fraud & abuse patterns, partnering closely with senior leadership to protect customers & minimize reputational risk. Contributed to the development of future risk & compliance professionals through extensive heuristic documentation & cross-training efforts, while regularly collaborating with Sales & other internal stakeholders to enable sustainable front book growth.