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About the Role
Modern Treasury is seeking a Head of Risk to establish and lead the company's risk function from the ground up. This foundational role involves defining and building systems for customer underwriting, setting limits and reserves, authorizing transactions, and detecting fraud, directly impacting product capabilities and customer experience.
Responsibilities
- Own onboarding and underwriting processes to evaluate and approve customers.
- Define real-time transaction risk authorization and dynamic limit adjustments.
- Establish reserve policies and quantify loss exposure across various risk types.
- Select and deploy tooling for automated risk decisioning and AI-driven case handling.
- Assess and manage risks associated with new payment rails, stablecoins, and wallet controls.
- Collaborate with Engineering, Product, Compliance, Finance, and customer-facing teams to ensure coherent risk and compliance systems.
- Partner with Compliance on KYB while owning underwriting judgment.
- Design controls for new payment methods and money-movement patterns.
Requirements
- Experience building a risk function at an early-stage or high-growth company.
- Specific expertise in payments risk, including ACH returns, settlement timing, unauthorized debit exposure, and counterparty risk.
- Ability to understand and translate risks of new payment rails into practical controls.
- Systems thinking approach to designing decisioning at scale.
- Technical and data fluency, including SQL and ideally Python.
- Experience applying modern AI tools to operational problems.
- Proven ability to make consequential decisions with incomplete information and defend judgments.
- Ability to influence across the company and advocate for risk investments.
- Management experience is a plus, with potential to build a team within the first year.
Skills
- Risk management
- Underwriting
- Transaction monitoring
- Fraud detection
- Reserve management
- AI tooling
- SQL
- Python
- Systems design
- Cross-functional collaboration
- Influence and communication
Location
- Remote
Work Type
- Full-time
Experience Level
- Foundational role
- Individual contributor initially
- Management experience is a plus
About the Company
- Modern Treasury provides trusted infrastructure for money movement.
- The company helps teams launch and scale payment experiences rapidly.
- Features include best-in-class developer tools, a single API for fiat and stablecoins, built-in compliance, ledgering, and reporting.
- Enables businesses to move money instantly, reliably, and at scale.
Equal Opportunity
- Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion (all aspects of religious beliefs, observance or practice, including religious dress or grooming practices), marital status, registered domestic partner status, age, national origin or ancestry (including language use restrictions and possession of a driver’s license issued under California Vehicle Code section 12801.9), natural hair, physical or mental disability, political affiliation, medical condition (including cancer or a record or history of cancer, and genetic characteristics), sex (including pregnancy, childbirth, breastfeeding or related medical condition), genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws.
- It also prohibits unlawful discrimination based on the perception that anyone has any of those characteristics, or is associated with a person who has or is perceived as having any of those characteristics.
- Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.