Manager, Fraud & Risk

What We Do

PayMitto is a payments company dedicated to making money movement faster, safer, and more accessible. We build comprehensive solutions for banks and credit unions, including mobile interfaces for transfers and the platform infrastructure for secure transactions. Our work involves multi-corridor payment routing, network integrations, and real-time compliance and fraud detection.

Who We Need

We are seeking a Manager of Fraud & Risk Management to oversee fraud/risk monitoring, mitigation policies, and data-driven oversight for ReadyRemit and Latitude. This role complements the BSA/AML Analyst role under Hal Ramakers (CCO), focusing on fraud and risk rather than BSA/AML program administration.

Where You’ll Work

This role is hybrid-based in Atlanta, GA. The office is located at The Battery in Atlanta, and candidates are expected to work in the office on Tuesdays and Thursdays each week.

What You'll Own

• Fraud/risk monitoring and mitigation policy across ReadyRemit and Latitude: design, tune, and continuously improve rules and thresholds for account takeover, scams/APP fraud, velocity abuse, and first-party misuse, both pre- and post-transaction.
• Fraud data analysis and reporting: turn transaction, dispute, and case data into fraud-rate trends and KPI reporting (detection rate, false-positive rate, time-to-detection).
• Using Sardine as a working tool for fraud decisioning, pulling Sardine's signal output into fraud/risk decisioning, tuning rule sensitivity for fraud outcomes, and translating that data into policy and client-facing reporting.
• Tier 2 fraud investigation oversight: own PayMitto's side of the three-party fraud responsibility model (Sponsor Bank, Client FI, PayMitto): transaction tracing, cross-network pattern analysis, containment actions, and UAR preparation feeding Sponsor Bank SAR determinations.
• Bank- and client-facing fraud oversight: represent PayMitto's fraud posture in Sponsor Bank reviews and in client (FI) fraud conversations, both for PayMitto directly and on behalf of clients where PayMitto is the Tier 2 investigative partner.
• Vendor management for fraud-specific tooling: Sardine usage/tuning and any future real-time scoring or decisioning vendors.
• Handoff coordination with the BSA/AML Analyst to ensure nothing falls in the gap between fraud monitoring and AML/sanctions monitoring.
• AI/ML-enabled fraud tooling: evaluate and help scale AI/ML-enabled fraud detection tools to improve accuracy and reduce manual review burden.

What You Bring

• 7+ years in fraud/risk management within payments, fintech, or financial services; cross-border remittance or card-network experience are a plus.
• Deep, hands-on knowledge of fraud typologies (account takeover, authorized push payment/social engineering, velocity abuse, first-party misuse) and the controls that mitigate each.
• Experience with real-time fraud scoring/decisioning platforms (Sardine or similar): using and tuning them, not necessarily administering the vendor relationship.
• Strong data fluency: comfortable building fraud-rate and KPI reporting directly from transaction/case data.
• Experience as a bank-facing or client-facing fraud liaison: presenting findings and policy to sponsor banks or enterprise clients.
• Clear writer and communicator: able to translate fraud analysis into sales-safe, board-safe, and audit-safe language for different audiences.

Why Work Here

• Empowered Work: Own your work and grow your career with real autonomy.
• Flex Friendly Culture: Enjoy flexibility with support for remote work and periodic team meetups.
• Startup Energy, Global Impact: Join a passionate team building mission-critical tools for people around the world.
• Great Benefits: Medical, dental, vision, disability, 401(k), paid parental leave, PTO, and more.
• Supportive Environment: Thrive in a collaborative, inclusive workplace that values innovation and continuous learning.