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Modern Treasury is a fintech platform providing infrastructure for money movement, reconciliation, and ledgers. They are hiring a Head of Risk to build the risk function from the ground up—a foundational, hands-on role that will shape product decisions around customer onboarding, transaction authorization, fraud detection, and exposure management.
You will own multiple critical areas: customer underwriting and onboarding (evaluating who can move money through the platform and under what conditions); transaction risk and real-time limits (authorizing money movement and dynamically adjusting limits as you learn about customers); reserves and exposure quantification (managing loss exposure across ACH returns, unauthorized debits, and counterparty failure); detection and risk engine deployment (selecting and deploying tooling—vendor, in-house, or AI-driven—to automate decisioning); and emerging rails (helping Modern Treasury safely expand into stablecoins, wallets, RfP, and international local rails).
You will work cross-functionally with Engineering, Product, Compliance, Finance, and customer-facing teams to ensure risk and compliance operate on one coherent system rather than competing stacks.
Ideal candidates have built a risk function at an early-stage or high-growth company (not inherited a mature one), with specific payments risk experience (ACH, settlement, unauthorized debits, counterparty risk—not lending or credit). You should be a systems thinker who designs for scale, technically fluent (SQL, Python, modern AI tools), and comfortable with incomplete information and consequential tradeoffs. Experience with stablecoins, wallets, or international rails is a plus. Management experience is valued; you may hire a team within the first year. You must be able to influence across the company and communicate risk investment in business terms.
About Modern Treasury
Fintech — payment operations platform for money movement, reconciliation, and ledgers.
