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. Job Description We are seeking an experienced and highly organised Senior Associate, Regional Treasury (MENA) to join our
MENA
Treasury team in Dubai. This role will be a key contributor to the safeguarding and operational resilience of merchant funds, with responsibility for daily safeguarding oversight, execution, fund-flow analysis and related controls. You will combine strong safeguarding expertise with a broader Treasury skill set across cash management, settlement execution, liquidity and capital management, and Treasury markets. You will work closely with Group Treasury colleagues, Finance, Product, Engineering, Operations, Compliance, Legal and banking partners to ensure that funds are protected and new products and regulatory changes are implemented in a controlled manner. This is a high-impact role for a self-motivated individual who is comfortable operating independently in a fast-paced, regulated payments environment and who is able to turn complex safeguarding fund flows and regulatory requirements into practical, scalable processes. What you will do - Own and enhance the daily safeguarding oversight process for relevant merchant funds across the
MENA
region, including safeguarding calculations, reconciliations and required balance transfers in line with approved policies, controls and account structures. - Support compliance with the safeguarding requirements applicable to Checkout
MENA
’s regulated activities, including the
CBUAE
framework and requirements. - Monitor, investigate and escalate safeguarding exceptions, control failures, breaches, shortfalls and aged reconciling items; own remediation actions through to completion and maintain clear supporting documentation. - Analyse end-to-end payment and fund-flow models, identifying safeguarding and regulatory impacts and making recommendations that support business and product needs. - Design and maintain daily safeguarding management information, providing clear analysis and timely escalation to senior management and relevant committees. - Develop, document and maintain regional Treasury policies, procedures, operating controls and process maps. - Support internal and external audits, regulatory reviews and information requests by preparing evidence, explaining processes, responding to queries and tracking actions to closure. - Partner cross-functionally with internal stakeholders on new product, market expansion and regulatory initiatives, assessing fund-flow design and safeguarding treatment. - Contribute to Treasury governance, including preparation of papers and reporting for the regional Asset Liability Committee and other senior management forums. - Apply generalist Treasury knowledge to support the wider Treasury team with cash management, liquidity management, capital and Treasury Markets decisions, as needed. - Support the execution and oversight of Treasury payments, including merchant settlements, funding transfers, safeguarding transfers, intercompany movements and other approved payment instructions across bank accounts, currencies and payment providers, on an as-needed basis. - Provide cover for other Treasury team members across the
MENA
region, as required Qualifications - Minimum 5 years of experience in Treasury or a related financial-services discipline, with direct safeguarding exposure and experience. - Hands-on experience in a regulated financial institution, Electronic Money Institution, Payment Service Provider, bank or comparable payments environment. - Working knowledge of safeguarding and customer-funds protection principles, including segregation, reconciliation, fund-flow controls, operational risk management and escalation processes. - Experience with UAE payments regulation is preferred, including the
CBUAE
Retail Payment Services and Card Schemes framework and/or Stored Value Facilities requirements. Experience applying safeguarding requirements in the UAE is a plus. - Practical experience executing or overseeing high-volume payments, settlements, funding transfers, bank-account operations, payment exceptions and related controls. - Treasury knowledge across cash management, liquidity forecasting, capital management, FX execution and Treasury markets, with an understanding of market, liquidity, operational and counterparty risk. - Experience using market data, Treasury management systems and data or reporting tools; experience with platforms such as FXAll, Kyriba or equivalent is desirable. - Strong quantitative and analytical skills, including the ability to build or review basic models, investigate data breaks, analyse fund flows and produce clear management information. - Ability to interpret regulatory requirements and translate them into practical policies, procedures, control frameworks and scalable operating processes. - Proven ability to lead or deliver complex, cross-functional projects, manage competing priorities, improve processes and automate manual activities. - Excellent attention to detail, sound judgement and a proactive approach to identifying issues and preventing recurrence in a high-volume environment. - Excellent English communication and presentation skills, with the ability to explain complex Treasury matters to senior stakeholders and build effective cross-functional internal and external relationships. - Arabic language skills would be beneficial, but not essential. 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/