Senior Manager, Fraud & Payments Risk

This is a fully remote position, open to applicants in New York.

📋 Description

• Lead Baselane's Fraud & Payments Risk team directly: responsible for the performance, development, and coaching of Baselane's two current Risk Specialists and one Risk Lead.

• Function as a player-coach: manage critical workstreams on complex investigations, escalations, and unique case types. Act as a sounding board for the Lead and Specialists.

• Propel the advancement of fraud systems: take ownership and execute major strategic initiatives that enhance our risk program — including detection tools, decision-making infrastructure, and process scaling as the business expands.

• Collaborate cross-functionally: partner with Product, Engineering, and CX to convert fraud insights into sustainable controls and serve as the advocate for risk within the Baselane organization.

• Manage significant fraud escalations: lead incident responses for high-exposure cases (≥$50K), regulatory-related scenarios, and coordination with bank partners; write post-mortems with precise root cause analysis and preventive measures.

• Oversee the sponsor bank relationship: act as Baselane's main point of contact with our sponsor bank regarding fraud and risk program issues, including alignment on program guidelines, audits, and ongoing collaboration across shared initiatives such as KYC/KYB signals, sanctions screening, and transaction monitoring.

⛳️ Requirements

• 10+ years of relevant experience: in fraud, payments risk, or financial crime, preferably with substantial experience at a fintech, payments company, or digital bank.

• Experience in start-ups/fintech: you've thrived in fast-paced, resource-limited settings where you've built, prioritized, and made decisions without the support of a well-established organization.

• Proven people management skills: you've successfully led fraud or risk teams — ideally during periods of growth or scaling at a start-up — and developed individual contributors into more effective operators while maintaining a high standard of execution.

• Expertise in the domain: you can assess an ID, behavior pattern, or complex case and provide sharp, seasoned judgment.

• Knowledge of payment rails and regulatory frameworks: possess a deep understanding of ACH (NACHA rules, return codes), wire, debit card, and check fraud patterns, along with the regulatory frameworks governing them (Reg E, Reg CC).

• A builder's mentality: you are motivated by developing and scaling a function from its early stages, rather than merely managing existing operations.

• Strong analytical skills: you base decisions on data, clearly outline trade-offs, and are comfortable collaborating with a small data team to derive insights.

• An operational mindset: you excel in uncertain situations, act swiftly yet thoughtfully, and build without needing an exhaustive playbook — exactly the skill set required in a start-up environment.

🏝️ Benefits

• Competitive compensation

• Equity — ownership in what we’re building

• High-quality Medical, Vision, and Dental insurance

• Life Insurance and Disability coverage

• Generous paid time off and flexible hours

• Remote-first work environment with a home office stipend

• Regular social events