Job Description

About the role: We are looking for a Fraud & Risk Senior Manager to drive the transformation of our Fraud & Risk function with a forward-thinking end to end fraud strategy that balances risk management and business growth. In this role, you will lead a team dedicated to oversee merchant onboarding, transaction monitoring, chargebacks, disputes, and broader business risk.

What your day to day will look like:

• Fraud & Risk Strategy & Automation: 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.
• **Team Management & cross functional collaboration: **Lead a geographically dispersed team, working closely with CX, Product, and other departments to enhance fraud prevention, manage disputes, and improve risk resilience.
• **Merchant & Business Risk Oversight: **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.
• **Onboarding & KYC Compliance: **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.
• **Transaction, Payments Risk & Dispute Management: **Oversee fraud detection across payment flows, ensuring timely resolutions, minimizing financial loss, and staying ahead of emerging threats.
• Incident Response & Crisis Management: Lead fraud investigations, manage escalations, and drive corrective actions to prevent recurrence, acting as the senior point of escalation for high-risk incidents.
• **Resource, Improvement & Reporting: **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.

Qualifications

What you need to succeed:

• 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.