Director, Payments Risk

Accountabilities:: Develop and evolve the payments risk strategy, identifying the most significant risks, defining priorities, and translating the overall risk agenda into a practical roadmap. Define risk coverage for new products and capabilities by identifying emerging risks, designing controls and monitoring mechanisms, and establishing appropriate success criteria before launch. Maintain and evolve risk appetite and control frameworks, making informed decisions about when controls should be strengthened or adjusted based on data, risk exposure, and business needs. Identify opportunities for risk management to support customer value and business growth while protecting customers and the organization from financial and operational downside. Lead day-to-day risk operations, including team queues, escalation workflows, complex cases, operational routines, and decisions that fall outside established playbooks. Monitor fraud and risk patterns, tune rules and controls, review cases when trends change, and use false positives and missed detections as signals for continuous improvement. Establish and maintain incident-readiness frameworks, including playbooks, escalation paths, and decision processes for fraud spikes, emerging attack vectors, and payment-processing anomalies. Partner with Product and Engineering to integrate risk requirements into product roadmaps and collaborate with Finance and Data teams to establish reliable dashboards, reporting, and risk intelligence. Monitor portfolio-level losses and provide risk perspectives for forecasting, business cases, product launches, pricing decisions, and partner evaluations. Act as a subject-matter resource across the organization, helping non-specialist teams understand payments risk and its impact on customer experience, sales, support, and operations. Drive automation and AI-enabled tooling so the team can focus on exceptions and complex decisions rather than manual volume management. Evaluate and implement new tools, processes, and technologies that improve the scalability and effectiveness of payments risk operations. Lead, coach, and develop the Risk team, establishing clear expectations, strengthening capabilities, and fostering accountability, initiative, and continuous improvement. Requirements: 8+ years of experience in payments and/or fintech, including at least 3 years leading teams and owning business outcomes. Deep hands-on knowledge of the payments lifecycle, including onboarding, underwriting, processing, settlement, reconciliation, and disputes. Strong experience with Stripe or comparable payments infrastructure, particularly within software platforms that carry payments-related liability. Demonstrated experience building or operating fraud and risk programs, including detection systems, monitoring, controls, and risk-management frameworks. Proven ability to balance loss prevention with customer experience, product growth, and broader commercial objectives. Strong commercial understanding and the ability to translate risk decisions into practical guidance that enables responsible business growth. Experience building risk reporting and dashboards that provide leadership with reliable information for informed decision-making. An automation-first mindset, with experience establishing new processes, products, workflows, or tools and using AI and technology to improve operational scale. High autonomy, sound judgment, and meticulous attention to detail, particularly when managing complex situations where overlooked risks can have significant financial consequences. Strong systems-thinking and problem-solving skills, with the ability to create structure and make decisive decisions in ambiguous or rapidly changing environments. Excellent communication skills, with the ability to translate complex payments and risk concepts into clear guidance for non-specialist stakeholders. Strong people leadership, coaching, collaboration, and stakeholder-management capabilities. Benefits: Annual base salary of CAD $170,000–$200,000 for Canada-based candidates, depending on location, experience, and skillset. Equity opportunities. Remote work arrangement. Opportunity to lead a high-impact payments risk function within a rapidly scaling fintech environment. Significant autonomy and ownership over risk strategy, operations, systems, and team development. Opportunity to work cross-functionally with Product, Engineering, Finance, Data, and other business teams. Exposure to advanced automation, AI-enabled tooling, fraud prevention, and payments infrastructure. Equal opportunity workplace with accommodations available during the recruitment process. A recruitment process designed to be transparent, respectful of candidates’ time, and supported by human decision-making.