Own the strategy and roadmap for Xero’s merchant and transaction payments-risk capabilities. Build scalable systems for KYB/KYC, underwriting, fraud detection, monitoring, disputes, chargebacks, reserves, holds, payout risk, and loss management. Partner with Engineering, Data, Risk, Compliance, and Operations to translate policy into product controls, decisioning workflows, and customer experiences. Use risk and loss data to balance fraud prevention, financial exposure, conversion, friction, and operating costs across processors, payment methods, and markets.