# Director, Risk

**Company:** [Current](https://hotfix.jobs/companies/current)
**Location:** New York, NY
**Role:** Legal
**Salary:** $220k – $280k/yr
**Experience:** 8+ years
**Skills:** Fraud Risk Management, AML, Reg E, Reg Z, Reg Cc, Kyc, Chargebacks, Payment Processing, Quantitative Analysis, Risk Management Frameworks, Root Cause Analysis, Visa
**Posted:** 2026-04-28

> Lead fraud risk strategy and enterprise risk management for a consumer fintech platform. Oversee onboarding, transaction monitoring, disputes/chargebacks, and regulatory compliance while building and scaling a high-impact risk team.

## Job Description

## Key Responsibilities

### Actively manage fraud risk to deliver Company objectives
- Oversee risk strategy across the lifecycle, including onboarding (KYC) and ongoing (authentications / ATO, first party fraud) account fraud, card and money movement transaction risk, debit and credit disputes processing and chargeback strategies
- Support fraud strategy team and actively deliver new initiatives when needed
- Support accountable business leads in the definition of and management against fraud risk tolerances, including system and manual processing controls
- Define a multi-phase risk roadmap; focus the company to invest in fraud hot spots and make progress against risk appetite
- Monitor risk trends and performance; own incident response including root cause analysis and go-forward controls
- Identify and surface emerging tools, capabilities, and/or data sources which will drive a strategic advantage
- Develop relevant risk vendor relationships
- Support business leads and compliance partners in bank partner relationship management

### Build, manage, and maintain a world-class enterprise risk management function
- Champion a transparent, pragmatic risk culture; equip first-line teams to own risk and make informed decisions
- Develop and maintain robust risk procedures
- Conduct second-line review of new initiatives to spot, assess, and preempt fraud risk
- Work closely with Finance and accountable business leads to deliver a well-managed process for provisioning, true-up and release of loss allowances

### Hire, mentor, develop, and inspire a small but high-impact risk team ready to scale with the business

## Requirements
- Experienced risk leader with 8-10+ years of professional experience
- Domain knowledge in fraud, disputes/chargebacks, and payment processing in consumer fintech, deposit and credit businesses
- Expert in risk-related regulations (e.g., AML, Reg E, Reg Z, Reg CC) and external partners / value chains (e.g. VISA, KYC Partners, money-movement partners, and offshore vendors)
- Undergraduate Degree with a quantitative major in Statistics, Economics, Computer Science, Mathematics, or related field
- Expert in quantitative analysis, exploratory / root cause analysis, business case development, experimental design and impact measurement, performance forecasting and monitoring, model monitoring, procedures, and risk management / maturity model frameworks
- Strong people leader and collaborator; experienced in leading organizational change
- Able to handle competing priorities and influence leadership decision-making

## Nice to Have
- Exceptional written and oral communication skills
- Fast learner who picks up new skills and tools to get the job done
- Creative problem-solver able to identify obstacles and present viable solutions
- Thrives in a fast-moving, ambiguous environment

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