Head of Fraud, Payments & Banking

Responsibilities

• Own the end-to-end payments and banking fraud prevention strategy across Kraken products, including vision, roadmap, OKRs, policies, rules, controls, and governance.
• Build, lead, and mentor a multi-tiered fraud organization of analysts, investigators, and managers.
• Direct fraud detection, analyst operations, escalation pathways, and high-volume real-time alert queues while maintaining SLA and QA standards.
• Partner with Product, Engineering, Security, Compliance, Legal, Customer Support, executives, and regulators.
• Lead risk assessments, preventive controls, audit readiness, and regulatory requirements across markets.
• Monitor payment trends and regulatory shifts; optimize approval and decline rates while maintaining fraud controls.
• Direct fraud and payment KPI analysis and executive reporting on daily, weekly, monthly, and quarterly cadences.
• Establish consistent global fraud coverage standards across all markets.

Requirements

• 10+ years of experience in banking, payment processing, or fraud risk management, including building or leading a fraud team.
• Experience managing strategic fraud and payments programs alongside high-volume analyst operations.
• Experience with card, third-party, and peer-to-peer payment fraud.
• Working knowledge of UK and other non-US regulatory regimes, including FCA and PSR; UK/EU regulator experience preferred.
• Strong understanding of data analytics and reporting.
• Experience developing career frameworks, coaching managers, and scaling operational teams.
• Exceptional communication and stakeholder-influence skills.
• Bachelor's degree in a relevant field preferred.
• Familiarity with blockchain, cryptocurrencies, and related fraud risks preferred.
• Ability to work in a fast-paced, rapidly evolving industry.