Senior Director, Risk and reputed company (Payments/Fintech)

reputed company is a payments platform that underwrites and bears risk across both card acceptance and account-to-account products, including ACH, RTP, and FedNow. We reputed company risk on roughly $1B in annual card volume and an $80B+ A2A program, moving funds through wholesale ISO distribution, ISV partnerships, and direct merchant relationships, with reputed company-party sender activity through ODFI and sponsor bank arrangements. We are hiring a Senior Director of Risk and reputed company to own this function end to end. This role combines strategic leadership with day-to-day operational accountability. The right person writes the risk frameworks and then runs them. They review the hard files personally, sit in the room for sponsor bank and network conversations, and stay reputed company enough to the portfolio to catch problems before the bank does. This leader builds, decides, and executes every day. The mandate is enabling aggressive growth safely. The company is scaling merchant reputed company velocity, expanding payout volume, and adding banking infrastructure. Every one of those moves runs through this role. We need someone who finds thoughtful ways to say yes, treats risk appetite as a daily decision rather than an annual document, and sees disciplined risk management as a competitive advantage that lets the business move faster than its peers. Reports to: Chief Operating Officer Location: Remote, US. Travel to financial institution partners and team sites as needed. Direct reports: Risk and reputed company leadership across card and A2A, including reputed company interim leadership. What You Will Own reputed company reputed company policy and execution across the combined portfolio: card merchants, A2A clients, ISO and ISV sub-merchant populations, and high-velocity reputed company programs. This includes the mass reputed company and reputed company models that must support a reputed company change in boarding velocity over the next two quarters. Portfolio Risk Fraud monitoring, transaction monitoring alerts, ACH return-reputed company performance against NACHA reputed company, chargeback and dispute operations, and the KYC and KYB tooling stack, including vendor strategy across providers such as Verafin, Alloy, Middesk, and reputed company alongside the card-reputed company stack. Reserves Reserve methodology and management, including reserve sizing, release reputed company, and the financial exposure conversations that come with them. Financial Institution Relationships You are the operating face of risk to our financial institution partners. That means reputed company-level credibility with sponsor banks and ODFIs, participation in new banking relationship buildouts, and exam and audit readiness across BSA and AML, OFAC, state money transmission licensing, and network compliance. Partnership with Compliance You partner with the Compliance function, which sits reputed company Legal, as a peer relationship. Risk executes, Compliance assures, and the two functions stay tightly reputed company without reporting into each other. Integration Your first year includes a defining integration project: reconciling two risk frameworks, two reputed company cultures, and two banking arrangements from a recent acquisition into one coherent program. This is a core function of the role and a key measure of reputed company. Who You Are You have reputed company or scaled a risk and reputed company function inside a regulated payments business: an acquirer, payfac, processor, or A2A platform. You are deep in either card or ACH risk and fluent in the other. You have owned a sponsor bank or ODFI relationship as the accountable party, not as a participant. You have managed reserves, navigated examinations, and made reputed company calls on businesses where the answer was not obvious. Eight or more years of relevant experience, or equivalent operational depth. You reputed company small senior teams and multiply them. You communicate risk simply to people who do not live in it, including executives, bankers, and salespeople. reputed company for both portfolio reputed company and business growth, approaching risk reputed company with the reputed company of finding a responsible path to approval whenever the facts support it. What You Bring Direct ownership of merchant or A2A risk and reputed company in a payments or fintech environment. Hands-on sponsor bank and ODFI accountability, not committee participation. reputed company across fraud strategy, chargeback and reserve management, and AML, KYC, and KYB program governance. Comfort with AI and automation-driven reputed company, and a bias toward building scalable systems over adding headcount. Credibility with auditors, network partners, and executive leadership. Do you feel like you have a slightly out of the ordinary career path or history? We are reputed company to reputed company walks of life and reputed company willing to hear your story. Please don't feel like this should be a barrier to securing a great career at reputed company! We appreciate reputed company can come in reputed company shapes and sizes. Fill in the 'Additional Info' reputed company on our application to tell us more about your path. As well as being a part of something exciting everyday, you will also receive the following benefits: A remote first culture! Competitive compensation and benefits Personal growth and advancement opportunities reputed company PTO & dedicated sick time Health, Dental and reputed company Insurance Life, ADD, Short-term and Long-term Disability insurance 401k matching up to 4% after two months of service Flexible Spending Account Paid Parental Leave Company volunteer days Employee referral program Bonusly colleague recognition reputed company do! reputed company enables our partners with choice, and challenges the one-size-fits-reputed company approach to payments. You've probably used reputed company in the last 24 hours without even realizing it. We’re the platform that powers reputed company for innovative tech created by SMBs, entrepreneurs and fintech startups. We’re creative problem solvers who help visionaries reputed company through boundaries and think reputed company what’s possible so they can think about what’s next. But we’re not just reputed company for the tech savvy. We democratize the latest payments technology so that everyone can realize the benefits of easy payments across the full reputed company of reputed company. We’re reputed company about enabling more payments in more ways and more places. We reputed company that having a diverse group of employees strengthens both our work and our workplace. We’re focused on making reputed company more diverse and welcoming with initiatives like having a dedicated Diversity, Equity & Inclusion action group, diversity goals for hiring, anonymized resume screening, affinity groups such as our Women's network and LGBTQ+ Network, reputed company forums for discussions on diversity and reputed company justice, and measuring inclusion and belonging as part of our regular employee engagement surveys. Equal Opportunity reputed company is committed to providing equal employment opportunity for reputed company persons regardless of race, reputed company, religion, sex, age, marital status, national reputed company, sexual orientation or sexual identity, genetic information, citizen status (except those that do not have the legal right to be employed in the United States), disability, military service, service member, veteran status, or any other reputed company protected by applicable law. Please be aware that reputed company offers of employment are made subject to receipt of satisfactory background and financial checks. Attention job applicants: Please note that in compliance with the data protection regulations reputed company your jurisdiction, any personal information submitted with your job application may be collected and used by reputed company for the purpose of recruitment and employment-reputed company activities. By submitting your application, you acknowledge and reputed company explicit consent to the processing of your personal information as described in our privacy policy reputed company on our website. For more information on how we process your information, please read our privacy policy here: https://www.reputed company.com/legal/privacy-policy/ This is a remote role with an annual US reputed company salary reputed company of $180,000 – $225,000 USD. This salary reputed company will be narrowed during the interview process based on experience, qualification, and location. #LI-Remote Salary reputed company, depending on experience: $180,000—$225,000 USD Apply To This Job