Head of Risk

Modern Treasury
San Francisco
Workplace: HybridFull timeUSD 200,000 - 285,000 annuallyFunction: Legal, Risk & ComplianceSkills: ["Judgment","Influence","Systems thinking","Cross-functional collaboration","Decision making"]

Build Modern Treasury’s risk function from the ground up as a hands-on leader reporting to the General Counsel. Own customer onboarding and underwriting judgment, real-time transaction authorization, dynamic limits, reserves/exposure, and fraud detection using policy-to-decision systems and modern AI. Partner cross-functionally with Engineering, Product, Compliance, Finance, and customer-facing teams to ensure risk and compliance run on one coherent set of systems, including expansion to stablecoins, wallets, and new rails.

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FursaFursa
Modern Treasury
Modern Treasury
2 days ago

Head of Risk

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Source: Company careers pageValidated by: Fursa AI
Last checked: 5 hours agoStatus: Live

Job Summary

Build Modern Treasury’s risk function from the ground up as a hands-on leader reporting to the General Counsel. Own customer onboarding and underwriting judgment, real-time transaction authorization, dynamic limits, reserves/exposure, and fraud detection using policy-to-decision systems and modern AI. Partner cross-functionally with Engineering, Product, Compliance, Finance, and customer-facing teams to ensure risk and compliance run on one coherent set of systems, including expansion to stablecoins, wallets, and new rails.
Location: San Francisco
Workplace: Hybrid
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Manager level

Key Responsibilities

  • •Own onboarding & underwriting decisions, including KYB partnership with Compliance and setting conditions to approve customers quickly.
  • •Design transaction risk and authorization, including real-time authorization and dynamic limits/reserves as new data is learned.
  • •Set reserve policy and quantify loss exposure across ACH returns, unauthorized debits, and counterparty failure.
  • •Select and deploy tooling (vendor, in-house, or both) to turn risk policy into automated decisions, using AI to automate case handling.
  • •Partner with Product and Engineering to expand safely into stablecoins, wallets, RfP, and international local rails with appropriate controls.

Pay and Benefits

Salary: USD 200,000 - 285,000 annually
Equity and Bonus:Equity

Key Requirements

  • •Experience standing up a risk function at an early-stage or high-growth company, knowing what to defer and what will hurt if skipped.
  • •Payments risk expertise, including ACH returns, settlement timing, unauthorized debit exposure, and counterparty risk.
  • •Ability to translate risks of new rails quickly (stablecoins, wallets, RfP, or international local-rail experience) into practical controls.
  • •Technical and data fluency, comfortable working with SQL and ideally Python, and applying modern AI tools to operational problems.
  • •Strong judgment and risk reasoning—able to defend decisions made with incomplete information and influence the business on risk investment.
Skills:JudgmentInfluenceSystems thinkingCross-functional collaborationDecision making
Tech Stack:SQLPythonAI toolsStablecoinsWallet controls

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

Modern Treasury
Provides a payment operations platform and APIs that automate payment initiation, approvals, reconciliation, and ledgering to help companies move and track money with greater visibility and control.
Industry: Fintech Infrastructure
Company Size: Medium (51 to 250 employees)
Growth: Scaleup
Valuation: Unicorn (USD 1B+)
Funding: Series C
Headquarters: San Francisco, United States
Founded: 2018
Glassdoor
Glassdoor: 3.7
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