Vice President of Payments (High-Risk)
P
PhoenixFintech, Payments, E-commerce
Remote (U.S.)Full-TimeVp
Salary not disclosed
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Job Details
- Experience
- 8+ years in payments, merchant acquiring, or fintech, including at least 5 years directly in high-risk
- Required Skills
- Risk Management
Requirements
- 8+ years of experience in payments, merchant acquiring, or fintech.
- 5+ years of direct experience in high-risk payments.
- Proven ownership of a payments P&L, portfolio, or business unit.
- Deep working knowledge of Visa and Mastercard monitoring programs (VAMP, VDMP, VFMP, MATCH/TMF).
- Direct experience with ISO, MSP, PayFac, or sponsor bank models.
- Demonstrated experience underwriting and managing high-risk ecommerce verticals like nutraceuticals, skincare, and subscription offers.
- Command of KYC/AML, PCI DSS, NACHA, and card network rules.
- Experience setting reserve, rolling hold, and processing limit strategies.
- Ability to make fast, independent risk decisions with incomplete information.
- Experience building and leading underwriting, risk, or payment operations teams.
- Bachelor's degree in Business, Finance, or a related field.
Responsibilities
- Own the revenue strategy, cost, and margin of the high-risk payments business unit.
- Define risk appetite and policy frameworks, including underwriting, reserve strategies, and chargeback remediation.
- Manage and defend relationships with sponsor banks, acquirers, and processors.
- Oversee payment operations, including onboarding, funding, settlement, and chargeback mitigation.
- Partner with Product and Sales teams to drive payment-led growth and product strategy.
- Build and lead underwriting, risk, and operations teams with a focus on precision and urgency.
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