Director of Risk Operations

Moov is revolutionizing the way businesses integrate and use financial services. Our platform empowers developers to build, scale, and innovate faster with seamless payments and banking solutions. We believe in simplifying financial technology so businesses can focus on what matters most—growing their companies.

As a Director of Risk Operations, you will lead and evolve our enterprise-wide risk operations function. This leader will drive excellence in AML/BSA compliance, fraud prevention, transaction monitoring, and credit risk governance. You will oversee key operational areas such as program parameters and procedure development, talent management, fraud and AML investigations, merchant onboarding, and credit underwriting. You’ll also ensure strong alignment with regulatory expectations and provide oversight across our payment channels including ACH, Card, P2P, and B2B.

You will:

Risk Operations & Strategy

• Develop, lead, and continuously enhance enterprise-wide risk operations, ensuring alignment with corporate risk appetite and growth objectives.
• Own and execute fraud detection and prevention strategies for multiple payment rails (ACH, Card, P2P, B2B).
• Oversee AML transaction monitoring and investigative protocols, ensuring timely suspicious activity referral filings and internal reporting.
• Lead complex fraud investigations, transaction monitoring and collaborating with internal teams and external partners as needed.
• Oversee development and tuning of transaction monitoring rules and alert logic for fraud and AML typologies.
• Develop & maintain dashboards for executive reporting showing trends and insights

Procedure & Regulatory Oversight

• Develop, maintain, and enforce robust risk, fraud, and AML procedures.
• Ensure alignment with BSA/AML, FFIEC, OCC, FinCEN, and other regulatory expectations.
• Assist with risk assessments and internal audits to identify and address control gaps and regulatory obligations.
• Manage exam readiness and direct interactions with auditors and regulators.

Credit & Underwriting Risk

• Design and enforce credit risk frameworks and underwriting policies for consumer and B2B products.
• Ensure credit policies are data-driven, adaptive, and compliant with relevant regulations.
• Partner with Product and Underwriting teams to assess emerging risks tied to new programs or product launches.

Merchant Risk Oversight

• Direct the merchant onboarding risk strategy, including KYC/KYB, fraud scoring, and creditworthiness assessments.
• Partner with Sales, Legal, and Compliance to streamline risk-aligned merchant acquisition.
• Manage applicable vendors to ensure compliance with internal and external fraud, Credit and AML strategy and regulatory changes. 

Leadership & Talent Development

• Lead and mentor cross-functional risk teams, fostering a culture of ownership, accountability, and excellence.
• Create career development pathways and performance metrics for risk analysts, investigators, and operational staff.
• Build and scale operational infrastructure to support a growing risk and compliance organization.

You have:

• Bachelor’s degree in Business, Finance, or related field
• 10+ years of experience in risk operations, fraud strategy, AML/BSA compliance, or credit underwriting.
• Proven leadership experience managing multi-disciplinary teams and risk programs.
• Deep understanding of regulatory frameworks such as BSA/AML, FFIEC, OCC, and PCI-DSS.
• Strong knowledge of payment ecosystems (ACH, Debit/Credit Card, P2P, RTP, B2B).
• Hands-on experience with transaction monitoring systems, case management platforms, and fraud analytics.
• Experience in fintech, banking-as-a-service, or high-growth digital financial services.
• Expertise in developing and operationalizing risk scoring models or machine learning tools.
• Experience managing third-party vendor relationships (e.g., KYC/AML providers, fraud tools).
• Familiar with consumer protection laws and regulations
• Excellent communication and interpersonal skills
• A proven ability to learn and insatiable curiosity for how problems can be solved through technology
• An entrepreneurial attitude. You look for better ways to work and are willing to get your hands dirty in solving complex problems. 
• A collaborative teammate that will thrive in our fluid, fast-paced, multifaceted, scaling environment
• Ability to operate with a sense of urgency and values accountability

Our company:

Moov is a 100% remote company with people from more than 16 states. We’re backed by a16z and other respected investors. We won Visa’s global Everywhere Initiative and our community of builders grows larger every day. We’re committed to building a team that represents a variety of backgrounds, perspectives, and skills and we embrace diversity, creativity, and equal opportunity. 

Our people:

Our customers come from all walks of life and so do we. We hire great people from a variety of backgrounds, not just because it’s the right thing to do, but because it makes our company stronger. 

We have mountain bikers, skiers/boarders, runners, video gamers, musicians, movie buffs, weight lifters, and about every other type of person in between. We enjoy solving problems and tackling challenges with creativity. If we don’t know the answer, we revel in the hunt to find it. We like helping people and choose to give first. We’re patient, open, and honest. If you share our values and enthusiasm for making the complex simple and delightful, you’ll find a home at Moov.

Benefits include:

• 100% remote. We make remote-work work.
• We match what you contribute to your 401(k) up to 5% of your salary
• Generous parental leave
• Competitive health, dental, and vision insurance plans
• Unlimited PTO, paid holidays, and sick leave
• Learning stipend and a culture that encourages and promotes professional growth and development
• Home office stipend
• Ownership in the company via employee stock options
• Culture of people helping people who give first, celebrate wins together and embrace autonomy, transparency, and trust
• The opportunity to join an experienced and ambitious team passionate about solving customers’ needs and who love what they do
• Partner with a community of 2000+ developers around the world, helping them focus on possibilities vs payments

Salary range: $175k - $190k based on experience, geography and other key factors

Advice:

If you are nervous about not having the right qualifications, apply anyway! We hire people, not job roles. We look for talent that will help us push boundaries, experiment, and bring in new ideas. That means caring more about qualities than qualifications. 

One more thing:

Don’t go iron your clothes for your interview (do people still own irons?). We're all pretty casual here, so you can wear whatever you are most comfortable in.

Okay—last thing:

When you meet with us, have some concrete, tangible examples of when you’ve added value, improved something, created something, or done some fantastic, customer-centric work. We also want to learn about you as a person. If you want to know what it’s like working at Moov, check out stories from our employees.

PS:

Share our job roles with others! Wouldn’t it be nice to make new friends and bring over old friends? We think so.