Senior Manager owning merchant, transaction, and dispute risk for Jane’s healthcare clinic SaaS platform. Building an AI-native risk function for payments processing billions annually.
Responsibilities
Own merchant risk policy, including onboarding criteria, verification standards, exceptions, escalation paths, and ongoing monitoring
Define Jane's risk appetite in partnership with Legal, Finance, and the VP
Own portfolio losses and risk reporting, including loss rate, approval rate, time-to-decision, dispute win rate, budgeting, and forecasting
Develop transaction monitoring strategy, including rules, risk flags, review processes, thresholds, decision times, and false-positive rates
Set dispute strategy to improve customer win rates and prevent disputes
Make escalation, hold, and merchant offboarding decisions, seeking executive or legal sign-off when needed
Identify fraudulent merchants and merchants whose risk profile has deteriorated
Recommend approaches for card network and Stripe compliance obligations with Legal and the VP
Develop systems and tooling strategy, reimagining manual processes as AI-native systems with agentic workflows while determining where human review is needed
Build the payments risk function and collaborate across teams
Requirements
6+ years in payments risk
Leadership or highly cross-functional experience ideally
Experience with embedded payments at a software platform that carries liability
Expertise in acquiring, underwriting, chargebacks, and transaction monitoring
Familiarity with Stripe, especially Stripe Connect, or a comparable platform
Ability to write and implement effective policies
Ability to explain difficult decisions compassionately to clinic owners
Ability to build reporting independently
SQL, Stripe Sigma, or similar experience is a plus
Comfortable being the sole person in the function initially
Must currently live and work in Canada
Must be eligible to work in Canada without employer sponsorship
No relocation, visa sponsorship, or third-party/employer-of-record employment support
Benefits
Annual salary range of $156,000 to $253,500 USD
Regular career development conversations with manager
Compensation growth with experience and meaningful contribution
Comprehensive benefits package
Remote-first work arrangement
AI-forward interview process with transcription tools
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