Tilt Finance
Head of Risk Operations
Remote - US
Sponsorship not specifiedDetected 30 days ago
SQLDatabricksMachine LearningZendeskCadenceLeadershipProblem Solving
About the role
- Fraud and disputes are the largest pieces of this function today, spanning high-risk application review, transaction monitoring, FCRA credit bureau disputes, and Reg Z and Reg E transaction disputes.
- You will be the executive-facing voice of the function, and the person responsible for making this regulated, high-volume work faster, more consistent, and more automated while maintaining a strong focus on quality and accuracy in the work over time.
- In your first year, success will look like:
Responsibilities
- End-to-end accountability: Own all non-customer-facing operations across every line of business - fraud prevention, dispute resolution, back-office compliance, and processing work including mail and refund processing - spanning the 30+ workloads currently managed by the team.
- Executive voice: Serve as the senior point of contact for Risk operations, translating operational reality across fraud, disputes, and processing into clear tradeoffs for executive leadership and partners.
- Lead the team (player-coach): Lead and develop a team of Team Leads and subject-matter experts, as well as the frontline investigators and analysts (Sr Risk Investigators, Risk Investigators, Risk Data Analyst).
- Org design & headcount: Own the structure, staffing model, and capacity planning for the function; make the build-vs-buy-vs-automate calls as volume grows.
- Talent: Hire, level, coach, and retain; build career paths and a bench of senior investigators and future team leads.
- Automation strategy: Define and drive the roadmap to automate manual review, dispute intake and resolution, monitoring, and reporting; reduce cost-to-serve and cycle time while protecting accuracy.
- AI-enabled operations: Partner with the data and AI teams to deploy tooling that triages cases, drafts dispute responses, and flags anomalies, with humans focused on judgment-heavy work.
- Tooling & vendors: Own the fraud and dispute tech stack (Alloy, Socure, Persona, LexisNexis, Helix, Centrix, Zendesk, Peach) and the vendor strategy behind it, including utilization, contracts, and consolidation.
- Controls: Own the control environment for fraud and disputes; ensure QA, escalation, and documentation standards keep decisions defensible.
- Join us in building the credit system that people deserve.
Nice to have
- 8+ years in fraud, disputes, and overall risk operations, including 3+ years leading teams - ideally including managing managers.
- Strong command of fraud typologies across card, ACH, and P2P - ATO, identity fraud, payments fraud, abuse, social engineering.
- Experience in fintech, banking, or lending with an active regulatory exam environment.
- Hands-on experience deploying AI or automation in an operations setting.
- Familiarity with the fraud and dispute tooling ecosystem (Alloy, Socure, Persona, LexisNexis, Helix, Centrix, Zendesk, Peach) or close equivalents.
- Experience owning vendor relationships, contracts, and budget for a function.
Compensation
- we gather twice yearly to reconnect over shared meals or kayaking adventures. (We've visited Vail, San Diego, and Mexico City, to name a few.)
Benefits
- You'll get started with a WFH office reimbursement.
- Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity.
- Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards.
- Those who stand behind their work, celebrating the wins and learning from the missteps equally.
Company info
- At Tilt, we see a side of people that traditional lenders miss.
- Our mobile-first products and machine learning-powered credit models look beyond credit scores, using over 250 real-time financial signals to recognize real potential.
- With millions of customers worldwide, we're not just changing how people access financial products - we're creating a new credit system that backs the working, whatever they're working toward.
- Tilt is seeking a Head of Risk Operations to lead our non-customer-facing operations end to end.
- This is the senior leader accountable for the work that keeps Tilt running behind the scenes - everything from fraud prevention and dispute resolution to mail processing, refund processing, and the regulated back-office work that keeps the business defensible in an exam.
- Lead and develop a team of Team Leads and subject-matter experts, as well as the frontline investigators and analysts (Sr Risk Investigators, Risk Investigators, Risk Data Analyst).
- This is a hands-on leadership role, not a pure management one - you stay close to the work as the org flattens and AI absorbs routine volume.
- We're looking for people who chase excellence and impact.
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This listing is sourced directly from Tilt Finance's careers page and normalized into a canonical job model.