Head of Fraud & Risk Management Operations

Team

The Fraud & Risk Management Operations team protects Raisin’s U.S. business across the entire customer lifecycle, from onboarding and KYC to bank account authentication, deposits, withdrawals, and ongoing account monitoring. As a high-growth, multi-bank deposit marketplace, Raisin operates in a dynamic environment where fraud threats evolve rapidly across identity, payments, and digital banking ecosystems.

Our team owns the strategy, execution, and continuous improvement of the controls that safeguard the platform while enabling a seamless customer experience. We partner closely with Product, Engineering, Compliance, Data, Payments Operations, and Customer Service to make fraud prevention a competitive advantage.

Your Responsibilities

The Head of Fraud & Risk Management Operations is Raisin US’s most senior fraud operator, responsible for defining the fraud strategy, leading fraud operations, and building an end-to-end fraud prevention ecosystem that scales with the business and its evolving products.

You combine strategic risk management with deep operations management expertise, spending substantial time in the trenches understanding fraud patterns, coaching teams, and driving day-to-day execution. You bring extensive fraud domain expertise in financial services, preferably from respected financial technology companies. You will bring expertise in ACH/payment fraud, identity risk management, along with experience with build and implementation of modern fraud models, decision systems, and predictive solutions to address emerging threats.

You will oversee a team that includes fraud operations, analytics, investigations, and you will work with Legal and Compliance and our banking partners on KYC and financial crime risk. You will also be a thought partner to product and engineering leadership as we evolve Raisin’s fraud infrastructure and data foundations.

If this is the only thing you read: This role is designed for a builder, someone energized by imperfect environments, motivated to design strong systems from the ground up, and comfortable and energized by being accountable for both strategy build and hands-on execution on a daily basis.

Fraud Strategy & Risk Leadership

• Own and evolve Raisin’s U.S. fraud strategy across onboarding, KYC, account linking, payments, and account lifecycle management.
• Build the long-term roadmap for fraud prevention, including data, tooling, modeling, automation, and operational processes.
• Translate emerging fraud trends, regulatory expectations, new products, and technology innovations into actionable business strategy and automated fraud prevention solutions.
• Build predictive fraud management solutions to identify and address new fraud patterns before they impact Raisin’s bottomline.
• Represent fraud risk in executive forums and serve as a trusted advisor to senior leadership.

Fraud Operations Management

• Lead daily fraud operations, including identity verification, account authentication, ACH/payments fraud review, transaction monitoring, and investigations.
• Provide direct leadership, coaching and development to employees within Fraud and Risk Operations.
• Ensure SLAs, accuracy, and throughput targets are consistently achieved while maintaining low customer friction.
• Build efficient, scalable, resilient operational workflows using automation, decision engines, and modern fraud tools.