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Salary: USD 140,000 - 165,000 / annual
Atoms is building Physical AI—real-world robots for industries including food, mining, and transport. The company integrates hardware, software, AI, operations, manufacturing, and real estate to deploy and scale autonomous systems in real-world environments.
You will own the Payments & Risk Operations function end-to-end across Atoms' portfolio (Otter, CloudKitchens, Picnic, Lab37, and more). This is a highly hands-on, high-agency role requiring proactive problem-solving, accountability, and comfort operating in ambiguity.
Key responsibilities include:
- Own operational health of pay-ins and payouts; work through processor and merchant issues; identify recurring failure points and improve payment reliability
- Own the full risk operations portfolio: transaction fraud, account takeovers, chargebacks, refunds and appeasements, promotional abuse, KYC/KYB, sanctions operations, and emerging risk vectors
- Serve as central point of contact for major fraud events and high-severity payment/risk escalations, including executive escalations
- Lead a BPO team: set SOPs, workflows, escalation paths, quality standards, and priorities; ensure team has context and tools to operate effectively
- Identify operational pain points before they become recurring problems; develop clear point of view on process changes, tooling gaps, and Product/Engineering investment needs
- Collaborate with Product, Sales, Legal, Customer Success, and Customer Support on coordinated risk strategies
- Own the risk P&L; partner with Finance and Accounting to report on loss metrics and surface key trends
- Lead red team exercises to proactively identify vulnerabilities and stay ahead of emerging risks
The role is based in San Francisco with five-day-per-week onsite work.
Requirements:
- 4-7 years of hands-on experience in payments operations, fraud and risk, or financial operations, with meaningful experience across both payments and risk
- Strong understanding of payment processing and money movement, including pay-ins, payouts, settlement, reconciliation, and processor operations
- Strong analytical skills, including SQL; experience using data to identify trends, define KPIs, and drive operational improvements
- Experience leading or partnering with BPO teams and managing relationships with payment processors, financial partners, and third-party risk vendors
- High-agency operator with strong cross-functional communication skills, bias for action, and proven ability to take ambiguous problems from identification through resolution
