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About the Role
Our Payments & Risk Operations team ensures the day-to-day health, reliability, and integrity of our payments platform across the Atoms portfolio. This role requires end-to-end ownership of both payments and risk operations, including managing pay-ins, payouts, processor issues, fraud, abuse programs, and emerging threats. It's a hands-on role for a proactive individual comfortable with ambiguity, who can investigate issues, collaborate with stakeholders, and drive resolutions.
Responsibilities
- Own Payments & Risk Operations end to end, setting the operating agenda and driving improvements.
- Manage the full risk operations portfolio, including transaction fraud, account takeovers, chargebacks, refunds, promotional abuse, KYC/KYB, sanctions, and emerging risks.
- Serve as the central point of contact for major fraud events and high-severity payment or risk escalations.
- Operate independently and navigate ambiguity with minimal guidance.
- Lead a BPO team, setting SOPs, workflows, escalation paths, quality standards, and priorities.
- Identify operational pain points and propose process changes or tooling improvements.
- Collaborate with Product, Sales, Legal, Customer Success, and Customer Support on risk strategies.
- Own the risk P&L, partnering with Finance and Accounting to report on loss metrics.
- Lead red team exercises to proactively identify vulnerabilities.
Requirements
- 4-7 years of hands-on experience in payments operations, fraud and risk, or financial operations, with meaningful experience across both payments and risk.
- Strong understanding of payment processing and money movement, including pay-ins, payouts, settlement, reconciliation, and processor operations.
- Strong analytical skills, including SQL, with experience using data to identify trends, define KPIs, and drive operational improvements.
- Experience leading or partnering with BPO teams and managing relationships with payment processors, financial partners, and third-party risk vendors.
- High-agency operator with strong cross-functional communication skills, a bias for action, and a proven ability to take ambiguous problems from identification through resolution.
Skills
- SQL
- Payments Operations
- Fraud and Risk Management
- Financial Operations
- BPO Management
- Payment Processing
- Money Movement
- Settlement
- Reconciliation
- Processor Operations
- Analytical Skills
- Cross-functional Communication
- Problem Solving
Location
- New York
Work Type
- Onsite
Experience Level
- 4-7 years
Salary/Compensations
- $140,000 - $165,000 per year
Benefits
- Medical, dental, and vision insurance (multiple plans, incl. HSA options).
- Company-paid life and disability insurance (short- and long-term).
- Voluntary insurance: accident, critical illness, hospital indemnity.
- Optional supplemental life insurance for self, spouse, and children.
- Pet insurance discount.
- 401(k).
- Health Savings Account (HSA)
- Flexible Spending Accounts (Healthcare, Dependent Care, Commuter)
- Discretionary vacation days
- 8 paid holidays per year
- Paid sick time
- Paid Bereavement leave
- Paid Parental Leave
About the Company
- Atoms is building the machines that power the next era of progress by creating Physical AI—real-world robots for industries like food, mining, and transport.
- Our systems are designed to understand, predict, and control the real world with precision, improving reliability, scalability, and productivity.
- We integrate hardware, software, AI, operations, manufacturing, and real estate to deploy and operate robots in real environments.
- We are a team of roboticists, engineers, operators, and builders focused on transforming physical systems that shape everyday life.
- We offer the opportunity to work on hard problems with real-world impact.