B

Bluevine

SMB-focused online lending and factoring

Vice President Fraud Risk Management

Full-Time
No salary listed
Expert
Bachelor's, Master's, MBA, PhD
Salt Lake City, UT, USA
Hybrid
Finance & BankingRisk Management

About the job

Requirements
  • 15+ years of progressive leadership experience in fraud risk management within payments and deposit-based financial services
  • Proven experience owning fraud loss performance and operational cost metrics
  • Deep expertise in payments fraud (ACH, wires, cards), account takeover prevention, and transaction monitoring systems
  • Hands-on fluency in risk analytics, fraud modeling, and real-time decision systems
  • Experience building and scaling high-velocity online risk platforms in fintech or digital banking environments
  • Strong understanding of regulatory expectations in banking, including risk governance and operational controls
  • Demonstrated success leading global, cross-functional teams
  • Bachelor’s degree required; advanced degree preferred
Responsibilities
  • Define and execute Bluevine’s enterprise fraud strategy aligned with company growth objectives.
  • Strengthen governance, control design, and risk reporting infrastructure. Set and manage risk appetite frameworks across account onboarding, payments, and new product launches.
  • Partner with senior leadership to balance growth, customer experience, and fraud loss performance.
  • Own fraud loss, cost-to-serve, and automation targets as part of the Banking P&L.
  • Serve as a thought leader in advancing enterprise risk management maturity.
  • Scale a best-in-class fraud risk management platform across account and transaction lifecycle.
  • Drive innovation in identity verification, transaction monitoring, real-time decisioning, and fraud analytics.
  • Develop proprietary risk capabilities and defensible IP to strengthen Bluevine’s competitive advantage.
  • Ensure high system performance, scalability, and automation in a high-velocity digital banking environment.
  • Partner with Product, Engineering, Data Science, Compliance, Legal, and Finance to integrate risk strategy into product design and execution.
  • Build and maintain strong relationships with bank partners and external stakeholders.
  • Provide executive-level reporting on fraud trends, risk exposure, and mitigation strategies.
  • Lead and scale a global, multi-functional organization spanning fraud strategy, analytics and operations across the US, Israel, and India.
  • Foster a data-driven culture with strong execution discipline and continuous improvement.
  • Develop high-performing leaders and build succession pipelines across risk functions

About the company

B

Bluevine

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cbWebsite

BlueVine provides online financial services for small and medium-sized businesses, offering business loans, a revolving line of credit up to $250,000, and invoice factoring. Through an easy online platform, SMBs can apply and receive approvals quickly (often in minutes). Loans and lines of credit help cover expenses like payroll, rent, and utilities, while invoice factoring gives immediate cash by selling outstanding invoices at a discount. It also offers PPP loans that are fully forgivable when funds are used for authorized expenses. What sets BlueVine apart is its fast online process, transparent pricing with no hidden fees, and a focus on flexible working-capital solutions for SMBs. Its goal is to help SMBs manage cash flow and access working capital quickly and reliably.

Company Size

501-1,000

Company Stage

Acquired

Total Funding

$807.5M

Headquarters

Redwood City, California

Founded

2013

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Simplify's Take

What believers are saying

  • Valley expects Bluevine to close in early 2027 and add immediate funding strength.
  • Bluevine grew deposits about 35% annually through Q2 2026, proving strong product-market fit.
  • International-owner onboarding widens Bluevine's addressable market across Australia, Canada, Europe, Israel, India, and the UK.

What critics are saying

  • September 2026 layoffs of roughly 80 Indian support staff signal cost cuts before the Valley closing.
  • The 2027 acquisition closing depends on regulators; any delay can disrupt employees and customers.
  • Bluevine still depends on partner-bank infrastructure, so one compliance failure can threaten the franchise.

What makes Bluevine unique

  • Bluevine's July 2026 international-owner onboarding removes branch friction for U.S. business accounts.
  • Valley's September 28, 2026 deal values Bluevine's $2.1 billion digitally-sourced deposits and software stack.
  • Bluevine's 180-person R&D bench strengthens product velocity across banking, payments, lending, and AI.

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Benefits

  • Health, vision, & dental insurance
  • Competitive salary
  • 401k
  • PTO & holidays
  • Parental leave
  • Life insurance
  • Commuter pass
  • Weekly catered lunches
  • Volunteering events
  • Happy hours

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

1%

2 year growth

1%
Tearsheet
Oct 13th, 2026
Valley National to buy Bluevine for $340M: can banks keep what makes fintechs work?

Valley National Bank plans to acquire fintech Bluevine in a $340 million deal expected to close in early 2027. The New Jersey-based bank gets a technology team that has spent more than a decade building products for small businesses. Bluevine's model has grown a banking account into a broader financial relationship, which Valley would have needed considerable time and investment to build itself. Bluevine gains the scale, balance sheet, banking capabilities, and physical branches of an established bank. Valley is not buying Bluevine only for its customers and deposits, but also for its platform, talent, and capabilities, according to Lifshitz. The harder question is whether Bluevine's product-building instincts and decision-making can survive inside a traditional bank.

PR Newswire
Oct 5th, 2026
Bluevine partners with Coverdash to offer embedded commercial insurance to small businesses

Bluevine, the largest small business banking platform in the US, has partnered with Coverdash to integrate commercial insurance directly into its platform. Bluevine customers can now quote, purchase and manage business insurance — including general liability, workers' compensation, commercial auto, professional liability and cyber coverage — without leaving their accounts. The integration uses Coverdash's embedded technology and connections with over 40 commercial insurance carriers. Customers can compare coverage options, review limits and deductibles, and generate certificates of insurance instantly within Bluevine. The partnership advances Bluevine's goal of creating an all-in-one platform for small business owners. Since 2013, Bluevine has served over 1 million customers and delivered over $17 billion in loans.

Doctor of Credit
Sep 29th, 2026
Valley National Bank to acquire Bluevine for $340 million.

Valley National Bank to acquire Bluevine for $340 million. September 28, 2026 Valley National Bank has announced it will acquire business fintech Bluevine in a deal worth $340 million (75% cash, 25% stock). Bluevine has 175,000 active small businesses and $2.1 billion in deposits. Doctor of Credit has covered Bluevine in the past and they still offer a $500 business checking bonus. Valley National bank also has frequent bonuses. If you're interested in doing the Bluevine bonus I'd recommend doing that sooner rather than later as that increased offer might have been put out to drive higher sign ups and growth figures before being acquired. Hat tip to reader Ben N

BBNS
Sep 28th, 2026
Bluevine sale tests Coastal Financial's partner-banking model.

Bluevine sale tests Coastal Financial's partner-banking model. What happened. COASTAL FINANCIAL CORPORATION (NASDAQ: CCB) said Bluevine entered a definitive agreement on September 28, 2026 to be acquired by Valley National Bancorp. The filing says the transaction still needs regulatory approvals and other customary closing conditions. Coastal Financial said it will provide more information with its third quarter earnings. Discover more Financial news subscription Ecology & Environment Trade rumor analysis It also said Bluevine and the Bank have maintained a productive relationship for many years. Key numbers. | Metric | Latest | Change | Source | | Bluevine-related deposits | approximately $447 million | / | SEC 8-K | | Active partner relationships | 22 | / | SEC 8-K | | Date of report | September 28, 2026 | / | SEC 8-K | Why it matters. OptimistFi's case is that Coastal Financial's upside depends on whether its partner-banking engine can keep scaling without turning growth into credit, compliance, or dilution risk. This filing is mixed. Bluevine is a financial technology partner of Coastal Community Bank, and the deal tests that view before closing. As of June 30, 2026, CCBX had 22 active partner relationships across a diversified range of products and services. That points to a broad platform, but the filing is only a snapshot and gives no post-announcement operating data. Coastal Financial said it does not currently expect the transaction or any resulting changes to the Bluevine deposit relationship to have a material adverse effect on the Company's liquidity or funding profile. That is the main claim investors need to weigh against the deposit figures. As of September 25, 2026, approximately $447 million of Bluevine-related deposits were held on the Bank's balance sheet. The filing says those deposits fluctuate in the ordinary course based on customer activity, balance sheet management and use of the Bank's deposit sweep arrangements. The Bank also said its funding alternatives, including the ability to bring sweep deposits back onto its balance sheet, give it flexibility to replace Bluevine-related deposits. That supports the company's view, but it also shows the deposit base could move before closing. What's next. The next scheduled update is the company's third quarter earnings. Investors will watch for any change in the deposit balance, the funding view, or the closing timeline. A reaffirmation of the no-material-adverse-effect view and stable Bluevine-related deposits would support the current read. Any notable shift in deposits or the closing timeline would cut against it. Sources. * SEC 8-K - Current report dated September 28, 2026. Browse every company OptimistFi covers at optimistfi.com/stocks, or read the latest evidence-first research. The full COASTAL FINANCIAL CORPORATION investment case, its status and the next test to watch live on the COASTAL FINANCIAL CORPORATION thesis page. Originally published on OptimistFi, evidence-first equity research. More at optimistfi.com.

Yahoo Finance
Sep 28th, 2026
Valley National Bancorp acquires Bluevine for $2.1B in deposits, expanding digital small business banking

Valley National Bancorp announced it will acquire Bluevine, a digital banking platform for small businesses, in a deal that advances Valley's strategy to expand its small business operations and digital capabilities. Bluevine, founded in 2013 and based in Jersey City, New Jersey, serves approximately 175,000 active small business customers. The platform brings Valley $2.1 billion in low-cost, digitally-sourced deposits, with approximately 99% coming from non-borrowing customers. Bluevine's deposits have grown at roughly a 35% compound annual growth rate from 2023 through the second quarter of 2026. The acquisition adds around 180 research and development professionals to Valley, with staff located in Redwood City, California; Jersey City; Salt Lake City; and Tel Aviv. Bluevine offers integrated banking, payments, lending and financial-management solutions designed for small businesses.