Vice President of Payments (High-Risk) (Fully Remote)

• Own revenue, cost structure, and profitability of high-risk payments business.
• Develop commercial strategy including pricing, portfolio economics, and go-to-market execution.
• Manage processing costs, interchange economics, and net risk costs.

Risk Management & Underwriting:

• Define risk appetite, underwriting policies, and portfolio risk management framework.
• Establish reserve strategies, rolling holds, and risk-adjusted merchant terms.
• Maintain compliance with Visa and Mastercard monitoring programs.
• Build and maintain relationships with sponsor banks, acquirers, and processors.
• Negotiate Schedule A agreements, buy rates, and processing economics.
• Manage bank audits, ISO/MSP registration, and partner compliance.

Payment Operations & Infrastructure:

• Oversee merchant onboarding, KYC/KYB, funding, and settlement.
• Manage chargeback prevention and authorization optimization.
• Implement scalable procedures and AI-native automation tools.

Reign

Reign is the Autonomous Commerce Platform for DTC founders, unifying storefronts, checkout, payments, and operations into one AI-native platform. It is venture-backed with 8-figure ARR, growing 100%+ YoY, and led by experienced executives who have scaled companies from zero to unicorn status.

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