Director of Payments & Risk

Join Coinme as the Director of Payments & Risk, leading fraud defense strategies and operations in a remote role. Drive risk management and team development in the rapidly evolving cryptocurrency landscape. At Coinme, we’re redefining access to financial services in a digital world. By combining the cutting-edge power of blockchain technology with everyday simplicity, we make digital currencies accessible and usable for all. As the world's largest network of cryptocurrency kiosks with over 40,000 locations nationwide, we're breaking down barriers to crypto adoption through our seamless mobile app, secure digital wallet, and DeFi integrations. Beyond our consumer offerings, we're also the infrastructure powering the crypto revolution for businesses. Through our enterprise Crypto-as-a-Service (CaaS) platform, we enable businesses to launch crypto capabilities in weeks, not months. Our modular, API-first infrastructure provides everything from KYC and payment processing to liquidity and custody solutions—all fully licensed and compliant. We’re big enough to lead the charge in decentralized finance but small enough that your ideas will make waves. Every role at Coinme contributes to building a financial future where everyone has the tools to thrive. At Coinme, your growth fuels our mission. Together, we RISE.

• •Own the fraud risk strategy and the end-to-end defense architecture across the payments stack: vendor risk engines, internal controls, processor-level gates, and partner-bank requirements, with a current map of which system makes which decision.
• •Run the detection portfolio as a measured system: rules, thresholds, models, and velocity limits tuned against quantified false-positive versus fraud-capture tradeoffs, with disciplined change control and post-change monitoring.
• •Own the chargeback and dispute program economics: representing strategy, pre-dispute deflection signals (Ethoca, Verifi RDR, Compelling Evidence 3.0), win-rate and net-recovery reporting, and card-network monitoring standing.
• •Lead fraud investigations and incident response with evidence-first discipline: reconstruct the decision trail across vendor logs, application telemetry, and processor responses before assigning a disposition; distinguish system defects from legitimate controls; defend legitimate declines against pressure to override; and turn incidents into durable fixes.
• •Design and govern AI-native risk operations: agentic workflows for queue triage, decline forensics, fraud-ring detection, chargeback evidence assembly, and scheduled monitoring, with governance to match (QA gates before anything ships externally, human-in-the-loop checkpoints on account-level actions, auditable reasoning trails, and explicit boundaries on what automation may decide).
• •Build and develop the team: hire, coach, and grow risk analysts and scientists, and train them to operate and extend the AI-assisted workflows, with documentation and runbooks treated as first-class deliverables.
• •Drive root-cause fixes across the entire payment flow and customer journey: when a risk gap lives in another team’s system (compliance workflows, account lifecycle, internal tooling), own the influence campaign to fix it there instead of compensating downstream, and partner closely with compliance on the fraud/AML seam.
• •Manage the vendor and partner ecosystem at both levels: hands-on (rules, integrations, data quality) and commercial (SLAs, escalation paths, roadmap influence), and coordinate risk posture with processors, sponsor banks, and platform partners.
• •With a strong bias for action, report to executives on key risk mitigating actions to reduce risk exposure and loss, performance and risk metrics, with the ability to go beyond headline fraud rates: loss by channel, decline precision and false-positive cost, dispute win rates, automation coverage, and time-to-disposition, connecting risk decisions to profitability.

• •Experience: 8+ years in payments risk, fraud, or dispute operations within financial services or cryptocurrency, including 3+ years leading a risk, fraud, or trust and safety function, ideally at a crypto exchange or on/off-ramp.
• •Payments and fraud depth: Card-rail mechanics (authorization and decline flows), chargeback and representment economics, Visa and Mastercard dispute rules and card-network monitoring programs, working knowledge of ACH and real-time rails, and fluency in crypto-side risk (wallet behavior, on-chain flows, cash-out typologies).
• •Platform fluency: Extensive hands-on administration of modern fraud prevention platforms (Sardine, SEON, Sift, Kount, Forter, or similar), including rule authoring, shadow-versus-live testing, and the instinct to reverse-engineer what a rule actually does rather than trust its label.
• •Data fluency: Strong SQL and comfort in log and observability platforms and analytics tooling; you answer your own questions without waiting on an analyst.
• •AI-native leadership: You have built or governed AI-assisted operational workflows and can speak concretely about what you automated, what guardrails you set, and what you deliberately kept human. Aptitude is assessed in a working session.
• •Institution building: You document, cross-train, and design systems that outlive your tenure; the functions you leave keep running without you.
• •Influence: You change processes you don’t own, fixing root causes in other teams’ systems rather than building permanent workarounds.
• •People leadership: You have hired, developed, and retained analysts, and you can lead a team through AI-driven change in how the work itself gets done.
• •Judgment: Evidence discipline over convenient narratives, conservative and defensible metrics over optimistic ones, protection of good customers weighed as seriously as fraud losses, and clear communication to both technical and executive audiences.