Senior Payments Risk Solutions Consultant

Trustly; San Francisco (CA); Hybrid; USD 200,000 - 250,000; Full time

Benefits offered by this job

Flexible PTO

Health insurance

Home office setup allowance

Internet stipend

401k match and RRSP

Job summary

Trustly is seeking a senior risk-focused leader to own risk relationships for a portfolio of customers in a hybrid role based out of San Francisco or New York. You will drive risk reporting, pricing rationale, and remediation plans, collaborating with risk, commercial, and product teams to optimize approval rates while managing expected loss and guarantee tiers.

You will guide pilots, quantify trade-offs, and structure non-standard terms, with travel up to 25% in the US and Canada.

Qualifications

• 8+ years in payments risk, merchant underwriting or risk consulting, including time in a customer-facing role.
• Customer-facing risk experience at a payments company, or pre-sales and solutions consulting at a risk or decisioning vendor, with direct exposure at executive level.
• Ability to build a deal-level expected loss view and explain the assumptions behind it to our commercial team, Finance and the customer.
• Experience explaining loss and return performance to a customer and agreeing a remediation plan.
• Working knowledge of guaranteed payment economics.
• A record of moving decisions you do not own, such as a pricing, product or threshold change agreed with other teams.
• Analytical skills and the ability to explain long term and short term trends.
• Willing to travel up to 25% in the US and Canada.

Responsibilities

• Run the risk cadence for the customers in your portfolio: regular reporting, the risk content in quarterly business reviews, and the risk pack itself.
• Explain why approval rates and thresholds are set where they are, and deliver threshold and guarantee tier changes with the rationale behind them.
• Advise customers on the controls and data on their side that would let Trustly approve more: account validation, checkout flow, and what they share at authorization.
• Bring the case for a threshold or tier change back into Trustly.
• Run discovery and scoping with the customer and the deal team: volumes, consumer mix, return and chargeback history, the controls, and approval rates.
• Set indicative risk appetite, expected loss rates into pricing, the guarantee tier recommendation, and any pre-authorization or data requirements.
• Quantify the trade-off for the customer: approval rate, expected loss and the guarantee fee.
• Structure risk terms on non-standard deals, including exposure caps, collateral and phased limits.
• Design pilots and phased launches for a new customer or a new vertical: scope, limits, what is measured and the exit criteria.
• Review the deals after launch, comparing actual loss and approval against what was priced.
• Carry the customer view into the risk engine and product roadmap.
• Own risk content in requests for proposals, risk questionnaires, and customer due diligence reviews.
• Enable our commercial and customer success teams on a regular cadence: what can be promised on risk, and when risk needs to be in the room.
• Represent Trustly risk with customers and at industry events.

Skills

Payments risk

Customer-facing risk

Risk analysis

Remediation planning

Guaranted payment economics

Stakeholder collaboration

Travel 25%

Education

Bachelor's degree in quantitative or business discipline

Tools

Rules engines

Real-time decisioning

Fraud platforms

Job description

Trustly is seeking a senior risk-focused leader to own risk relationships for a portfolio of customers in a hybrid role based out of San Francisco or New York. You will drive risk reporting, pricing rationale, and remediation plans, collaborating with risk, commercial, and product teams to optimize approval rates while managing expected loss and guarantee tiers.

You will guide pilots, quantify trade-offs, and structure non-standard terms, with travel up to 25% in the US and Canada.