Manager, Risk & Optimization - Americas

At Richemont Americas, we aspire to reflect the ever-changing world around us. We are proud to employ talent from many different backgrounds, experiences, and identities to build a continually evolving, inclusive community where the diversity of our colleagues and clients is rich and celebrated. We believe when inclusion is fully embraced and empowered, creativity and knowledge emerge to deliver excellence, advancing the community that is uniquely Richemont Americas.

Finance | Shelton, CT

Reports to:

VP, Retail Finance, Americas

This role represents a strategic leadership evolution within Richemont’s Finance organization. Moving beyond traditional operational fraud prevention, the Payment & Risk Optimization Manager is mandated to define, lead, and execute the holistic B2C payment-funnel and risk optimization strategy across all Richemont Maisons.

The Manager serves as a strategic leader and key business partner to Maison Executive Leadership, Finance, E-Commerce, and Technology teams. Leveraging advanced data analytics, payment intelligence, and fraud strategy, the position balances maximum payment acceptance, conversion performance, and customer experience with robust, scalable fraud governance and loss prevention.

Responsible for identifying points of friction in the performance of the B2C payment funnel — from authentication through to authorization — across all B2C channels (omnichannel).

The job holder works closely with the Customer Payment Services (CPS) Team and acts as a strategic business partner to Maisons, Finance, and Technology teams — leveraging data insights, payment intelligence, and fraud expertise to continuously improve payment acceptance performance while maintaining robust fraud prevention.

• Strategic Fraud Tool Governance:
  Lead the overarching strategy, optimization, and contract/performance management of key fraud vendors (e.g., Forter, Adyen Revenue Protect) across all B2C channels and Maisons.
• Algorithmic & AI Governance:
  Establish guidelines and oversight to mitigate machine learning bias within automated fraud decisioning tools, ensuring fair, compliant, and accurate outcomes across diverse client segments.
• Automation & Efficiency Targets:
  Set strategic targets to maintain automated decisioning above 98%, minimizing manual review friction while protecting client experience and net revenue.
• Dispute & Chargeback Governance:
  Oversee end-to-end chargeback, dispute, and lost/missing parcel management processes. Define policy guidelines and monitor card scheme threshold compliance (Visa, Mastercard,American Express) to eliminate financial loss and program penalty risks.
• Holistic Performance Tracking:
  Establish key performance indicators (KPIs) and Objectives & Key Results (OKRs) covering prevented fraud, missed fraud, false decline rates, and net revenue impact.

• End-to-End Funnel Performance:
  Drive strategic performance management of the B2C payment funnel pillars (Authentication, authorisation, conversion)
• Issuing Bank & Partner Advocacy:
  Drive high-level discussions with strategic payment service providers (e.g., Adyen), card schemes, and key issuing banks to challenge underperforming issuers, reduce false declines, and optimize authorisation rates.
• Authentication Strategy (3DS / SCA):
  Lead cross-functional strategy to optimize 3D Secure and SCA friction, identifying regional checkout friction points and implementing frictionless authentication flows.
• Executive & Maison Partnership:
  Partner with Maison E-Commerce Directors and Commercial Leaders to turn…