Director of Payments & Risk

Coinme is a licensed crypto financial services company operating the world's largest network of cryptocurrency kiosks across 40,000+ locations in the US. Through its mobile app, digital wallet, and enterprise Crypto-as-a-Service (CaaS) API infrastructure, Coinme enables seamless cash-to-crypto gateways, payment processing, and liquidity solutions for consumer and institutional partners.

The Director of Payments & Risk owns Coinme’s fraud defense strategy and AI-augmented risk operations end-to-end. In this player-coach role, you will design risk defense architecture across card processors, fraud vendors, and banking partners while building and governing agentic AI workflows that scale risk detection and maintain auditability.

• Detection Architecture: Manage fraud detection rules, thresholds, velocity limits, and models tuned against false-positive versus fraud-capture trade-offs.

• Evidence-Based Investigations: Lead crisis response and fraud forensics across vendor logs, application telemetry, and card processor responses.

• AI-Native Risk Operations: Design and govern autonomous AI agent workflows for queue triage, decline forensics, fraud-ring detection, and chargeback evidence assembly.

• Root-Cause Remediation: Drive system fixes across upstream product, compliance, and account lifecycle workflows rather than creating permanent downstream workarounds.

• Vendor & Ecosystem Governance: Manage commercial and technical relationships with fraud vendors, card processors, sponsor banks, and platform partners.

• Payments & Fraud Depth: Deep domain expertise in card rails (authorization/decline mechanics), chargeback dispute rules (Visa/Mastercard), ACH, and crypto-side risk flows.

• Platform & Data Fluency: Hands-on experience with modern fraud platforms (e.g., Sardine, Sift, SEON, Kount, Forter) and proficiency in SQL for raw log telemetry analysis.

• AI-Native Operations: Experience building, setting guardrails for, and governing AI-assisted operational workflows or agentic automation.

• Incident & Crisis Leadership: Demonstrated ability to make rapid, evidence-based decisions during live security or fraud incidents.

• Direct experience with the Sardine platform,
  Taba Pay
  , or card processor integrations.

• Familiarity with blockchain analytics tooling (e.g., TRM Labs, Chainalysis, Elliptic) and on-chain wallet investigations.

• BSA/AML and SAR familiarity, including SAR-aware evidence handling and account lock/reactivation policies.

• Experience building with LLM agent frameworks (e.g., Claude Code, Agent SDKs) or dbt/modern data stacks.

• Relevant professional certifications such as CFE
  , CAMS
  , or FRM
  .

• Healthcare: 100% company-covered health insurance options for both employees and dependents.

• Compensation: Competitive pay with annual performance bonuses.

• Time Off & Stipends: Discretionary Time Off (DTO) plus a $600 professional development reimbursement allowance.

• 401(k): Retirement investment program.