Director, Payments & Risk Operations
New
For U.S. based candidatesFull-TimeDirector
Salary180,000 - 200,000 USD per year
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Job Details
- Experience
- 10+ years in operations, with 7+ years in payments, fintech, and/or risk
- Required Skills
- Compliance
Requirements
- 10+ years of experience in operations.
- 7+ years of experience in payments, fintech, and/or risk.
- Significant PayFac experience strongly preferred.
- Demonstrated success building AI-native decisioning systems (agent workflows, rules engines, ML-assisted approaches).
- Deep expertise in payments, acquiring, and/or risk underwriting, fraud, chargebacks, and transaction monitoring.
- Proven track record of owning portfolio-level performance with accountability for loss rates and operational efficiency.
- Proven ability to lead operational evolution from manual workflows to system oversight.
- Senior-level experience engaging with external partners (acquirers, processors).
- Experience managing cross-functional partnerships across Product, Engineering, Legal, and Compliance.
Responsibilities
- Own the full lifecycle of merchant onboarding, pricing, underwriting, monitoring, disputes, and support.
- Define and operate against core metrics such as approval rates, loss rates, and time-to-decision.
- Build a highly instrumented, scalable system with clear feedback loops.
- Reimagine the payments operations stack as an AI-native system using agent-based workflows and LLM-assisted investigation tools.
- Partner with Product and Engineering to ship internal AI tooling.
- Own portfolio-level losses, balancing growth, protection, and customer experience.
- Ensure adherence to regulations, card network rules, and PayFac requirements.
- Manage relationships with acquirers, processors, and banking partners.
- Lead a high-performing team across underwriting, risk, and compliance operations.
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