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Commas is a full-stack growth platform for digital businesses, processing billions in volume through payments, checkout, community, courses, affiliate systems, and analytics. The company is one of the fastest-growing future-of-work companies in Miami.
You will oversee day-to-day operations of the Fraud & Payments Risk team, reporting to the Head of Risk. This is a hands-on management role responsible for team performance, workflow, case assignment, and output. You'll coach analysts in real time on complex investigations, monitor team performance, and flag staffing or training needs.
Key responsibilities include:
**Fraud & Investigations:** Own and continuously improve the company's fraud prevention strategy across account onboarding, transactions, payments, and platform activity. Monitor platform activity and payment behavior to identify suspicious trends and emerging threats. Conduct and oversee complex investigations involving account abuse, payment fraud, policy violations, identity concerns, and financial losses. Develop and maintain fraud controls, risk policies, escalation procedures, and investigative frameworks. Review fraud alerts and investigation queues across multiple systems.
**Payments Risk Management:** Manage risk across multiple payment rails including credit cards, ACH, BNPL, digital wallets, and payout channels. Monitor payment performance metrics including authorization rates, fraud rates, dispute ratios, loss exposure, and reserve requirements. Evaluate merchant, creator, and customer risk profiles. Partner with payment processors, acquiring banks, and third-party providers to optimize payment performance. Develop scalable payment risk strategies that support growth while maintaining strong financial controls.
**Cross-functional Collaboration:** Work closely with Product, Engineering, Finance, and Operations to improve controls, strengthen processes, and develop solutions that balance growth, customer experience, and risk mitigation.
Commas operates with an in-office-first culture (5 days per week in Miami) and a high-performance environment. The company mirrors customer schedules with flexible hours and expects relentless effort from team members.
**Requirements:**
- 5+ years of experience in Fraud, Payments Risk, Merchant Risk, Trust & Safety, Financial Crime, Chargebacks, Risk Operations, or related field
- Proven experience overseeing day-to-day team work or mentoring/leading others with ability to set priorities and hold people accountable
- Strong understanding of payment ecosystems including card processing, acquiring, ACH, BNPL, chargebacks, disputes, merchant risk, and payment fraud
- Experience working directly with Product, Engineering, Operations, and Finance teams in fast-paced environments
- Proven experience conducting investigations and making risk-based decisions involving financial exposure and platform integrity
- Experience working with payment processors, acquiring banks, card networks, and fraud prevention vendors
- Familiarity with fraud prevention and identity verification platforms such as Persona, Alloy, Socure, LexisNexis, Sift, or similar
- Experience supporting or managing KYC, KYB, account onboarding reviews, and ongoing risk monitoring programs
- Strong analytical and problem-solving skills with ability to interpret complex data and translate findings into business decisions
- Experience building scalable operational processes within fintech, payments, marketplaces, SaaS, creator economy, e-commerce, or technology-driven environments
- Familiarity with SQL, business intelligence tools, reporting platforms, AI-driven solutions, or workflow automation tools strongly preferred
- Excellent communication skills with ability to influence stakeholders across technical and non-technical teams
- Bachelor's degree in Finance, Business, Economics, Criminal Justice, Information Systems, Risk Management, or related field preferred
