Senior Manager, Fraud & Payments Risk

Role Description

We're hiring a Senior Manager, Fraud & Payments Risk to lead Baselane's fraud function: owning fraud operations, managing and developing the team, and executing cross-functionally on the long-term strategic initiatives that will take our risk program to the next level.

Baselane is growing quickly, and with that growth comes increasing complexity in the risks we face. Our current foundation is strong: solid processes built around our two major product lines - banking and rent collection. The opportunity ahead is to build on that foundation by increasing automation, maturing our detection approach, and scaling our team/processes with the business.

What You'll Do:

• Directly lead Baselane's Fraud & Payments Risk team:
  • own performance, development, and coaching for Baselane's current two Risk Specialists and one Risk Lead
• Operate as a player-coach:
  • carry critical workstreams on complex investigations, escalations, and novel case types
  • Serve as a sounding board for the Lead and Specialists
• Drive the evolution of the fraud systems:
  • own and execute on the major strategic initiatives that mature our risk program — across detection tooling, decisioning infrastructure, and process scaling as the business grows
• Partner cross-functionally:
  • work with Product, Engineering, and CX to translate fraud insights into durable controls and act as the champion of risk within the Baselane organization
• Own major fraud escalations:
  • lead incident response on high-exposure cases (≥$50K), regulatory-adjacent situations, and bank partner coordination
  • author post-mortems with clear root cause analysis and preventive action
• Manage the sponsor bank partnership:
  • serve as Baselane's primary point of contact with our sponsor bank on fraud and risk program matters, including program guideline alignment, audits, and ongoing collaboration across shared workstreams like KYC/KYB signals, sanctions screening, and transaction monitoring

Qualifications

• 10+ years of relevant experience in fraud, payments risk, or financial crime, ideally with meaningful time at a fintech, payments company, or digital bank
• Start-up / fintech experience: you've operated in fast-moving, resource-constrained environments where you've had to build, prioritize, and make calls without the safety net of a mature org behind you
• An experienced people manager: you've directly led fraud or risk teams — ideally through periods of growth or scale at a start-up — developed individual contributors into stronger operators, and maintained a high execution bar
• Domain expertise: you can look at an ID, a behavior pattern, or a complex case and offer sharp, experienced judgment
• Fluency in payment rails and regulatory frameworks: deep working knowledge of ACH (NACHA rules, return codes), wire, debit card, and check fraud patterns, along with the regulatory frameworks that govern them (Reg E, Reg CC)
• A builder: you're energized by maturing and scaling a function from an early stage, not just running what already exists
• Analytically rigorous: you ground decisions in data, frame trade-offs clearly, and are comfortable partnering with a lean data team to drive insights
• An operator's mindset: you thrive in ambiguity, move quickly but thoughtfully, and build without needing the full playbook handed to you — exactly the muscle a start-up environment demands

Nice to Have

• Familiarity with compliance signals that feed fraud decisions: OFAC, PEP, and adverse media screening
• Hands-on experience with modern fraud decisioning platforms (Taktile, Sigma, TLOxp, or similar)
• Familiarity with real estate, property management, or rent payment fraud typologies

Benefits

• Competitive compensation
• Equity — ownership in what we’re building
• High-quality Medical, Vision, and Dental insurance
• Life Insurance and Disability coverage
• Generous paid time off and flexible hours
• Remote-first work environment with a home office stipend
• Regular social events
• $140,000 - $185,000 a year