Senior Risk Operations Lead, Payments & Fraud

Perseus Group; United States; Remote; USD 110,000 - 160,000; Full time

Job summary

Constellation Payments is seeking a Risk Supervisor to lead the daily Risk team and oversee merchant risk monitoring, fraud prevention, and compliance efforts. You will manage investigations, enhance monitoring programs, and collaborate with underwriting, onboarding, finance, and product to mitigate risk across the merchant portfolio.

The role emphasizes coaching, strategic risk initiatives, and maintaining high-quality risk controls in a fast-paced environment.

Qualifications

• 5+ years in risk operations, payments, fraud prevention, underwriting, or related fields.
• 1-3 years in leadership or management roles.
• Willingness to travel up to 15% annually for meetings and events.
• Deep understanding of payment processing, merchant acquiring, ACH, NACHA, and fraud risk.
• Proven ability to lead teams, prioritize work, and drive performance.
• Strong analytical and decision-making skills for complex risk scenarios.
• Experience building procedures, monitoring programs, dashboards, and risk reporting.
• Excellent communication and stakeholder management skills.

Responsibilities

• Lead and oversee daily Risk team activities, ensuring queues, investigations, alerts, reviews, and escalations meet SLAs.
• Supervise merchant risk monitoring for fraud, compliance, reputational, operational, ACH, chargeback, and transaction risks.
• Review and approve escalated investigations involving held transactions, large-ticket activity, refunds, duplicates, and suspicious behavior.
• Manage workload, priorities, queue assignments, and resources to ensure timely risk reviews.
• Conduct regular QA reviews of risk cases, documentation, and monitoring activities.
• Provide coaching, mentoring, and performance feedback to Risk Analysts.
• Oversee bank account change controls, validations, approvals, and post-change monitoring.
• Ensure merchant monitoring programs are performed regularly with cadence.
• Support due diligence reviews for high-risk industries and restricted categories.
• Oversee chargeback, ACH, and NACHA monitoring, including threshold reviews and remediation.
• Review risk assessments, recommendations, and merchant restrictions.
• Ensure periodic KYC/KYB refreshes and portfolio reviews are completed accurately.
• Prepare and deliver risk reports, dashboards, and trend analyses for leadership.
• Identify risks and process gaps, implement corrective actions and monitor effectiveness.
• Partner with cross-functional teams to resolve complex issues and improve workflows.
• Support audits, sponsor bank requests, and regulatory examinations.
• Assist with policy development and risk framework expansion.
• Adapt risk controls as business needs evolve.
• Lead special projects and additional responsibilities as assigned.

Skills

Leadership

Risk management

Fraud prevention

Payments knowledge

Team development

Analytical thinking

Stakeholder management

Tools

Salesforce

Zift

LegitScript

GIACT

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Job description

Constellation Payments is seeking a Risk Supervisor to lead the daily Risk team and oversee merchant risk monitoring, fraud prevention, and compliance efforts. You will manage investigations, enhance monitoring programs, and collaborate with underwriting, onboarding, finance, and product to mitigate risk across the merchant portfolio.

The role emphasizes coaching, strategic risk initiatives, and maintaining high-quality risk controls in a fast-paced environment.