Job Description

Join our Xplor Pay vertical as Director of Risk to make a real impact every day. We say that because we know that every conversation we have, every code line we write and every interface we design is another opportunity for us to enrich our customers’ experiences.

Reporting into the SVP of Operational Risk, you will help uscontinue to build the risk and fraud function on a global scale. Some of the other responsibilities include:

• Provide leadership, support, and guidance & forward thought to the Global Risk & ACH Recoveries team.
• Assists in review of analysis of fraud trends across several product vertical lines.
• Maintains and Enhances KPI data for reporting of team productivity and evaluation of loss trends to report to leadership.
• Provide guidance on transaction monitoring tools and development of rule sets for fraud monitoring.
• Provide guidance on recovery processes and factors that for third party outsourcing.
• Evaluate applicant business models to identify risks and accurately assess exposure and evaluation thresholds. 
• Identify vendors and solutions that can be leveraged to enhance monitoring processes and data analysis across multiple product lines and Global markets.
• Work with product team as SME on department projects.
• Work with Credit operation teams on fraud loss trends identified related to boarding activity.
• Conduct, obtain and report month over month forecasting for Fee and Chargeback related loss.
• Maintain department reporting analysis, periodic reviews, systems, and records as required to evaluate and update merchant profiles, merchant level risk rule settings, and other risk related activities.
• Build out of Reserve calculations in managing different products such as Direct Debit
• Interface with Credit Operations and Compliance personnel on merchant issues and risk mitigation as appropriate. 
• Interact with Data engineers to identify applicable risk controls needed to be put in place to reduce fraud attempts.
• Develop policy and procedures that offer guidance around Risk activities.
• Perform other related duties as assigned by management.  

- The average base salary pay range for this position is $120k to $140k

- May be considered for a discretionary annual bonus

Qualifications

We are looking for curious and empathetic people. We also love to hear from people who are motivated by meaningful work, resonate with our four core values, have a positive outlook, are comfortable with ambiguity and thrive working in an ever-evolving and complex environment. We are inspired by meeting big picture thinkers and doers, people who can be both tactical and strategic, aim high and put people first in everything they do.

Required qualifications for this role:

• Bachelor’s degree in relevant field required; equivalent range of industry specific experience/certification would be considered.  
• 5+ years of operational risk experience in payment industry preferred.
• Previous Risk/Fraud monitoring experience required. 
• 3 years of Leadership and People management experience, in both on-site and remote capacity.
• Advanced technical experience in evaluating & mapping out processing flows.
• Familiar with Operational Risk function and ability to apply fundamental process across several Global product & markets.
• Interpretation of financial statements, a plus.
• Experience in developing & implementing policies and procedures.
• Excellent written and oral communication skills 
• Strong organizational, problem-solving, and analytical skills 
• Ability to multi-task and manage priorities and workflow in a dynamic, fast-paced environment. 
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm 
• Acute attention to detail 
• Excellent customer service skills 
• Ability to deal effectively with a variety of individuals at all organizational levels. 
• Ability to communicate professionally and effectively in person, on the phone, electronically or through other means to individuals and groups 
• Advanced experience with Office & BI products required 9Excel, Power BI, Tableau, iZenda, etc.