Fraud & Risk Senior Manager

5+ years of experience with proven leadership in fraud prevention, risk management, or payments security within a fast-paced, growth oriented fintech environment Experience in vertical SaaS payments and businesses that process payments on behalf of customers for their end clients, ideally with Stripe Deep expertise in embedded payments, merchant acquiring, and transaction fraud. Expertise in regulatory requirements, including PCI-DSS, KYC, and chargeback management. Hands-on experience with fraud detection tools, risk assessment platforms, Merchant risk management tools Strong leadership, communication, problem-solving, and stakeholder management skills, with the ability to negotiate and secure the necessary time, resources, and prioritization for critical risk initiatives. Deep expertise in chargebacks, disputes, and transaction monitoring, with a track record of reducing fraud losses and optimizing dispute resolution processes. Strong understanding of KYC, with experience implementing scalable frameworks. A data-driven mindset, with experience leveraging automation to enhance fraud detection and risk management. Experience handling high-pressure escalations and crisis scenarios, making sound decisions that protect the business in real time.

Develop and implement a fraud prevention framework that balances risk reduction with business growth, using tools to enhance accuracy, reduce manual work, and scale risk management. Lead a geographically dispersed team, working closely with CX, Product, and other departments to enhance fraud prevention, manage disputes, and improve risk resilience. Monitor and assess risks associated with merchants, including fraud, KYC compliance, chargebacks/disputes and financial viability to reduce exposure from merchant failures and fraudulent sign ups, while championing a seamless and trustworthy experience for legitimate customers. Establish and refine processes to ensure robust due diligence during merchant onboarding, reducing the risk of fraudulent activity from the outset, balancing automation vs manual in a risk environment. Oversee fraud detection across payment flows, ensuring timely resolutions, minimizing financial loss, and staying ahead of emerging threats. Lead fraud investigations, manage escalations, and drive corrective actions to prevent recurrence, acting as the senior point of escalation for high-risk incidents. Secure leadership buy-in for adequate resourcing of fraud and risk initiatives, leveraging data-driven insights to strengthen fraud controls, identify emerging risks, and establish KPIs for fraud losses and chargebacks, with regular reporting to leadership.