Head of Risk and Money Services

What you'll do

• Own risk, dispute, BSA/AML response, collections, and money-product operations, including customer experience, regulatory posture, and financial outcomes.
• Build the function’s governance, controls, SLAs, metrics, reporting, audit readiness, and operating playbooks; lead teams through senior leaders.
• Partner with Product, Engineering, Compliance, Legal, sponsor banks, regulators, and auditors; advance AI-enabled operations while maintaining regulatory accountability.

What they ask for

• 12+ years leading financial services operations in banking, payments, money movement, fraud and risk, or related regulated domains.
• 7+ years as a departmental leader of large, multidisciplinary financial services operations teams, managing through senior direct reports.
• Deep expertise in banking and money movement operations, including Reg E, BSA/AML, ACH and real-time payments risk, sponsor bank requirements, and auditable controls.
• Hands-on fraud and payment risk leadership, including real-time decisioning, payment risk scoring, account takeover response, and fund recovery.

Nice to have

• Experience with consumer financial products such as consumer banking, digital wallets, or cash advances.
• Experience building reliable, scalable, AI-native operations in regulated domains.

Pay

USD 170,000 to 215,000 per year (base salary, Denver); USD 200,000 per year to USD 250,000 per year (base salary, San Francisco and New York)

Tools

Gusto Wallet, Cash Advance, ACH, AI agents

AI focus

Partner with platform and AI teams to introduce AI agents, semantic knowledge, and automation for faster fraud decisioning, higher dispute throughput, and more accurate risk signals while preserving regulatory accountability.