Head of Risk and Money Services

Jobtailor; Denver (CO); On-site; USD 180,000 - 260,000; Full time

Job summary

Jobtailor is seeking a senior leader to own Reg E compliance and end-to-end risk operations across Gusto Wallet and related products.

You will define governance, SLAs, reporting, and controls, while partnering with Product, Engineering, Compliance, Legal, and Risk to drive transformation.

This role requires experience with real-time decisioning, sponsor bank relations, audit readiness, and scaling AI-native solutions across multiple financial services lines.

Qualifications

• 12+ years of industry experience leading financial services operations
• 7+ years as a departmental leader running large, multi-disciplinary teams
• Deep expertise in Reg E dispute processing and BSA/AML operational response
• Hands-on experience building fraud operations and real-time payment risk
• Operational background in consumer banking or digital wallet products
• Experience standing up regulated financial functions with governance and reporting
• Experience navigating sponsor bank and regulatory relationships and audit readiness
• Experience leading high-stakes, real-time financial decisions with material consequences
• Experience building scalable AI-native operations in regulated domains
• Strong cross-functional collaboration with Product, Engineering, Compliance, Legal, and Risk
• Track record of delivering for multiple senior partners across overlapping product lines
• Ability to lead through significant organizational change
• Empathetic and employee-focused leadership with inclusive team-building

Responsibilities

• Oversee end-to-end risk and operations for Reg E, BSA/AML, and fraud initiatives
• Lead a multi-disciplinary regulated financial services organization through senior leaders
• Define governance, metrics, SLAs, reporting infrastructure, and audit readiness
• Own real-time decisioning on payroll, disputes, fraud signals, and fund recovery
• Partner with Product, Engineering, Compliance, Legal, and Risk on readiness and priorities
• Represent risk functions with sponsor banks, regulators, and auditors

Skills

Fraud risk scoring

Account takeover response

Fund recovery operations

SLA development

Operational governance

AI-native operations

Cross-functional collaboration

Diversity and inclusion

Job description

• Own Risk & Money Services end to end, including fraud and payment risk decisioning, BSA/AML compliance, Reg E dispute operations, collections, and Gusto's money products
• Lead a multi-disciplinary regulated financial services organization through senior leaders
• Define governance, metrics, SLAs, reporting infrastructure, controls documentation, audit readiness, workforce management, and escalation frameworks
• Oversee high-stakes real-time decisions involving payroll, disputes, fraud signals, and fund recovery
• Own Gusto's operational Reg E compliance program from intake through resolution and customer communication
• Lead operational responses to BSA/AML alerts, including transaction monitoring response, customer outreach, and account action
• Build operational infrastructure, SOPs, workforce models, controls, and SLAs for Gusto Wallet, Cash Advance, and consumer financial products
• Drive AI-native transformation through AI agents, semantic knowledge, and automation
• Partner with Product, Engineering, Compliance, Legal, and Risk on operational readiness and product priorities
• Represent Risk & Money Services with sponsor banks, regulators, and auditors
• Build the operational playbook for new financial products and business banking expansion
• Develop, hire, and scale leaders and teams

Requirements

• 12+ years of industry experience leading financial services operations in banking, payments, money movement, fraud and risk, or related regulated domains
• 7+ years as a departmental leader running large, multi-disciplinary financial services operations teams
• Deep expertise in Reg E dispute processing, BSA/AML operational response, ACH and real-time payments risk, sponsor bank operational requirements, and auditable controls infrastructure
• Hands-on experience building or leading fraud operations, including payment risk scoring, account takeover response, and fund recovery operations
• Operational background in consumer banking, digital wallet, cash advance, or similar products
• Experience standing up or formalizing regulated financial functions, including SLAs, controls documentation, governance, and reporting infrastructure
• Experience navigating sponsor bank and regulatory relationships, including audit readiness, operational policy alignment, and escalation to compliance and legal
• Experience leading high-stakes, real-time financial decisions with material financial consequences
• Experience building reliable, scalable, AI-native operations in regulated domains
• Strong cross-functional experience with Product, Engineering, Compliance, Legal, and Risk
• Track record of delivering for multiple senior partners across overlapping financial product lines
• Ability to lead through significant organizational change
• Empathetic and employee-focused approach
• Track record of building diverse and inclusive teams

Core Competencies

Demonstrates extensive expertise in managing financial services operations, particularly in Reg E compliance, BSA/AML response, and fraud risk management. Proven ability to lead cross-functional teams and build scalable, AI-native operational infrastructures in regulated environments.

Highest-signal resume keywords

• Reg E Dispute Processing
• BSA/AML Operational Response
• Fraud Operations Leadership
• Operational Governance and Controls
• AI-Native Operations Development

ATS Optimization Keywords

Hard Skills

• Fraud Risk Scoring
• Account Takeover Response
• Fund Recovery Operations
• SLA Development
• Controls Documentation
• Reporting Infrastructure
• Transaction Monitoring
• Operational Policy Alignment
• Digital Wallet Management
• Cash Advance Operations

Soft Skills

• Empathetic Leadership
• Organizational Change Management
• Team Building
• Cross-Functional Collaboration
• Inclusive Team Development

Industry Keywords

• Financial Services
• Payments
• Money Movement
• Regulated Domains
• Sponsor Bank Relationships
• Audit Readiness
• Consumer Banking
• Real-Time Payments
• Operational Readiness
• Risk Management