Branch is on a mission to help working Americans grow financially. We do this by helping companies accelerate payments and empower working Americans with accessible, fee-free financial services. We’re committed to building and delivering more inclusive and transparent financial products.

Come join our team as we develop new ways to improve the lives of working Americans. Our mission starts with empowering our own employees. Have a great idea? Share it today and it might just get implemented tomorrow. As a team member at Branch, your voice and creativity can directly impact the product and company. We not only attract great talent from across the country, but also build teams to help that talent to thrive. That means valuing a diversity of opinions and working styles, while creating a shared belief in innovation, initiative, and winning together.

Reporting to the CFO, this role will own the entirety of Branch’s risk management approach, from analysis to strategy to operations, to ensure a scalable, profitable product.Responsibilities include, but are not limited to:

• Deepen the use of analytics to detect fraud and risk and develop strategies to reduce losses
• Manage fraud operations team to ensure maximum efficiency and adequate staffing and training, drive operational analytics
• Manage receivable risk and losses of Branch partners and customers for Branch’s Earned Wage Access product by analyzing and improving loss funnel in conjunction with Branch partnerships
• Work in partnership with product and technology teams to develop tools to implement scalable risk strategies
• Drive risk team activity including building systems, processes, and KPIs to optimize performance across risk operations, analytics, and strategy
• Develop and drive business case development for risk projects to ensure appropriate prioritization
• Work closely cross-functionally with product, engineering, customer support, finance and legal

To be successful you should have:

• A deep background in fraud and risk mitigation with particular experience in debit-based and/or wallet-based payment products
• Experience building and leading risk teams on strategy, analytics and operations from early to late stages of company growth
• Knowledge and experience working in neobank or wallet-based fintech environments with emerging fraud vectors, including social engineering and first party fraud
• Must be highly analytical in approach. Ability to work independently to build out reporting using standard tools (e.g. SQL, Google Sheets) a major plus
• History of operating closely with issuing processors to implement risk management tools
• Experience of working with card associations and their loss avoidance rules
• Desire to both lead and “roll up the sleeves and get things” done a must.

Benefits: 

• Branch-paid medical, dental, and vision insurance 
• Equity
• 401k
• Flexible time off
• Paid company holidays
• Paid parental leave

Branch is an equal opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Working at Branch

Headquartered in Minneapolis but with employees located all throughout the US, Branch emphasizes transparency, accountability, and trust to create a collaborative environment where our product, engineering, marketing, customer support, customer success, and sales teams can all thrive together.

Our teamwork has enabled us to become an award-winning fintech company, with Branch’s innovation and workplace recognized across industries. Branch has been honored by the Webby Awards, Benzinga Fintech Awards, Fintech Breakthrough Awards, Top Workplaces USA, and EY Entrepreneur of the Year, Heartland, among others.  

Learn more about our culture, approach, technology, and people here: https://www.branchapp.com/about