Manager, Fraud & Risk

PayMitto is a payments company on a mission to make money movement faster, safer, and more accessible — whether across town or around the world. We build the full experience for banks and credit unions: from the mobile interfaces that guide account holders through transfers, to the platform infrastructure powering it all behind the scenes. That means multi-corridor payment routing, partner integrations across financial networks, and real-time compliance and fraud detection — with the reliability requirements that come with moving people's money. We’re a 65-person team based in Atlanta, scaling fast as more financial institutions sign on. The work moves quickly, the impact is tangible, and what you build will be in the hands of real users at real institutions. We’re looking for bold thinkers to help us get there. Who We Need PayMitto is hiring a Manager of Fraud & Risk Management to own fraud/risk monitoring, mitigation policy, and data‑driven fraud oversight across ReadyRemit and Latitude, on behalf of PayMitto and on behalf of the FI and enterprise clients we serve. This role supplements, and works alongside, the BSA/AML Analyst role under Hal Ramakers (CCO). Where that role owns BSA/AML program administration and bank/auditor‑facing compliance work, this role owns the fraud and risk side: monitoring, policy, data, and investigation oversight. Where You’ll Work This is a hybrid role based in Atlanta, GA. Our office is located at The Battery in Atlanta and candidates will be 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 the rules and thresholds that catch 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). Serve as the internal source of truth on fraud numbers and definitions. 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 ensuring 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 area 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. PayMitto is an equal opportunity employer (EOE) committed to employing a diverse workforce and sustaining an inclusive culture. #J-18808-Ljbffr Brightwell