Atoms
Payments and Risk Operations Lead
$140K–$165K
New York, NY +1 · Full-time · Posted Sep 28, 2026
- Location
- New York, NY
San Francisco, California, United States - Experience
- 4–7 years; hands-on experience in payments operations, fraud and risk, or financial operations, with meaningful experience across both payments and risk.
About the job
Leads payments and risk operations across Atoms’ portfolio, improving payment reliability, managing fraud and risk programs, and driving operational responses and improvements.
What you'll do
- Own payments and risk operations, including pay-ins, payouts, fraud, chargebacks, account takeovers, KYC/KYB, sanctions operations, and emerging risks.
- Lead frontline BPO operations and manage escalations, workflows, quality standards, and cross-functional resolution efforts.
- Analyze risk performance and loss metrics, improve processes and tooling, and lead red-team exercises.
What they ask for
- 4–7 years of hands-on experience in payments operations, fraud and risk, or financial operations, with meaningful experience across payments and risk.
- Strong understanding of payment processing and money movement, including pay-ins, payouts, settlement, reconciliation, and processor operations.
- Strong analytical skills, including SQL, and experience using data to identify trends, define KPIs, and drive operational improvements.
- Experience leading or partnering with BPO teams and managing payment processors, financial partners, and third-party risk vendors.
Pay
$140,000 - $165,000 per year (base salary)
Tools
SQL
Model-written summary · the original posting is authoritative