Senior Manager, Payments Risk

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

📋 Description

• Take ownership of the merchant risk policy, which encompasses onboarding criteria, verification standards, exceptions, escalation procedures, and continuous monitoring.

• Collaborate with Legal, Finance, and the VP to define Jane's risk appetite.

• Manage portfolio losses and risk reporting, which includes loss rates, approval rates, time-to-decision metrics, dispute win rates, budgeting, and forecasting.

• Create a transaction monitoring strategy that outlines rules, risk flags, review processes, thresholds, decision times, and false-positive rates.

• Establish a dispute strategy aimed at enhancing customer win rates and minimizing disputes.

• Make decisions regarding escalations, holds, and merchant offboarding, seeking executive or legal approval when necessary.

• Detect fraudulent merchants and those whose risk profiles have worsened.

• Advise on compliance approaches for card network and Stripe obligations in collaboration with Legal and the VP.

• Formulate a systems and tooling strategy that transforms manual processes into AI-driven systems with autonomous workflows, while identifying areas requiring human oversight.

• Build the payments risk function and work collaboratively across teams.

⛳️ Requirements

• Over 6 years of experience in payments risk.

• Preferably possess leadership or highly cross-functional experience.

• Background in embedded payments at a software platform that assumes liability.

• Proficient in acquiring, underwriting, chargebacks, and transaction monitoring.

• Knowledge of Stripe, particularly Stripe Connect, or a similar platform is beneficial.

• Capable of drafting and executing effective policies.

• Skilled at explaining complex decisions with empathy to clinic owners.

• Ability to develop reporting independently.

• Experience with SQL, Stripe Sigma, or similar tools is a plus.

• Comfortable being the sole person in the function initially.

• Must be currently residing and working in Canada.

• Must be eligible to work in Canada without employer sponsorship.

• No relocation, visa sponsorship, or third-party/employer-of-record support provided.

🏝️ Benefits

• Annual salary range of $156,000 to $253,500 USD.

• Regular career development discussions with your manager.

• Compensation growth aligned with experience and significant contributions.

• Comprehensive benefits package.

• Remote-first work arrangement.

• AI-driven interview process utilizing transcription tools.