Fraud & Payments Risk Manager in Miami, Florida

Fraud & Payments Risk Manager

Fan Basis is the full-stack growth platform for digital businesses. Whether someone is just getting started with their own business or looking to make their next million dollars, we give them the infrastructure to do it: payments, checkout funnels, community, courses, affiliate systems, analytics, and everything in between, all in one platform. We're one of the fastest-growing future of work companies based in Miami and have had billions in volume flow through our platform.

The team moves quickly, ships constantly, and is obsessed with helping people earn from what they already know. If you want to be part of building something that makes the entire market more accessible, this is the place.

We are seeking a Fraud & Payments Risk Manager to lead and scale our fraud prevention, payments risk, chargeback, and trust & safety initiatives. This role will be responsible for protecting the business from financial loss, identifying emerging fraud trends, improving payment performance, and building scalable risk programs that support long-term growth. As the subject matter expert for fraud and payments risk, you will work closely with Product, Engineering, Finance, and Operations teams to improve controls, strengthen processes, and develop solutions that balance growth, customer experience, and risk mitigation.

You will play a critical role in shaping how risk is managed across the platform while ensuring the business remains agile and customer-focused. This is a highly cross-functional role requiring strong analytical abilities, sound judgment, operational excellence, and a deep understanding of payments, fraud prevention, and risk management.

• Own and continuously improve the company's fraud prevention strategy across account onboarding, transactions, payments, and platform activity.
• Monitor platform activity, payment behavior, and account activity to identify suspicious trends, emerging threats, and fraud patterns.
• Conduct complex investigations involving account abuse, payment fraud, policy violations, identity concerns, and financial losses.
• Develop and maintain fraud controls, risk policies, escalation procedures, and investigative frameworks.
• Identify vulnerabilities within existing workflows and implement preventative measures to reduce exposure.
• Review fraud alerts, risk signals, and investigation queues across multiple systems and tools.

• Manage risk across multiple payment rails including credit cards, ACH, BNPL, digital wallets, and payout channels.
• Monitor payment performance metrics including authorization rates, fraud rates, dispute ratios, loss exposure, and reserve requirements.
• Evaluate merchant, creator, and customer risk profiles and make recommendations regarding approvals, restrictions, reserves, or escalations.
• Partner with payment processors, acquiring banks, and third-party providers to optimize payment performance and mitigate risk.
• Develop scalable payment risk strategies that support company growth while maintaining strong financial controls.
• Monitor transaction activity and investigate unusual payment behavior or emerging payment-related risks.

• 5+ years of experience in Fraud, Payments Risk, Merchant Risk, Trust & Safety, Financial Crime, Chargebacks, Risk Operations, or a related field.
• Strong understanding of payment ecosystems including card processing, acquiring, ACH, BNPL, chargebacks, disputes, merchant risk, and payment fraud.
• Experience working directly with Product, Engineering, Operations, and Finance teams in a fast-paced environment.
• Proven experience conducting investigations and making risk-based decisions involving financial exposure and platform integrity.
• Experience working with payment processors, acquiring banks, card networks, and fraud prevention vendors.
• Familiarity with fraud prevention and identity verification platforms such as Persona, Alloy, Socure, Lexis Nexis, Sift, or similar technologies.
• Experience supporting or managing KYC, KYB, account onboarding reviews, and ongoing risk monitoring programs.
• Strong analytical and problem-solving skills…