Director, AI-Driven Payments & Fraud Risk

Coinme; United States; On-site; USD 180,000 - 260,000; Full time

Job summary

Coinme is seeking a Director of Payments & Risk to own the fraud defense architecture across the payments stack. You will lead an AI-enabled, evidence-based risk organization, balancing loss prevention with customer experience and compliance.

You will build and scale a team of analysts and scientists, partner with Compliance and Engineering, and drive measurable reductions in losses and disputes while maintaining audit-ready governance.

Qualifications

• 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.
• 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.

Responsibilities

• 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.
• 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; 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.

Skills

Payments risk

Fraud operations

Card networks

SQL & logs

AI-native leadership

Institution building

People leadership

Judgment & metrics

Tools

Sardine

SEON

Sift

Kount

Forter

Job description

Coinme is seeking a Director of Payments & Risk to own the fraud defense architecture across the payments stack. You will lead an AI-enabled, evidence-based risk organization, balancing loss prevention with customer experience and compliance.

You will build and scale a team of analysts and scientists, partner with Compliance and Engineering, and drive measurable reductions in losses and disputes while maintaining audit-ready governance.