Company Description
Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality through Afterpay, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.
Job Description
We are seeking a dynamic and experienced professional to join our team as the Head of Risk Operations. This pivotal role will oversee multiple groups including Fraud Operations, Credit Risk Underwriting & Operations, Disputes & Chargebacks Operations, and Collections & Recovery Operations. The ideal candidate will possess a strategic mindset, exceptional leadership skills, strong communication skills with the ability to build partnerships and influence others, and a proven track record in risk management within the financial industry.
You will:

• Lead and oversee various departments within the Risk operations team, ensuring efficient and effective operations across all functions.
• Drive initiatives to enhance productivity and quality, leveraging advancements in technology, including AI, to optimize operational workflows.
• Establish and monitor key metrics to measure team performance, track progress, and achieve organizational goals.
• Collaborate closely with cross-functional teams including Risk product, policy, engineering, design, Sales & Account Management, and data to develop and implement comprehensive risk management strategies.
• Ensure compliance with regulatory requirements and industry standards, and actively contribute to the development of policies and procedures.
• Manage multi-site operations, including Business Process Outsourcing (BPO), to support operational scalability and efficiency.
• Work closely with teams across Square to ensure new products are launched safely, our sellers have a remarkable experience through their entire lifecycle and Square is meeting regulatory and audit requirements.
• Seek out trends in risk management and their applicability to the Square business model. In addition, stay current on innovative business and technology trends in payments and lending in order to advise senior leadership on operational risk initiatives.
• Lead or contribute significantly to overarching strategies related to fraud prevention, disputes management, credit risk, and other risk-related areas.

Qualifications
You have:

• A relevant BA/BS degree. MBA a plus.
• 10+ years of experience in the financial industry, with a focus on risk assessment, management, fraud prevention, disputes/chargebacks, credit risk or payment processing.
• Experience leading and managing large-scale teams.
• Demonstrated success in overseeing organizations of 100+ individuals.
• Proven experience in a technology-driven environment with a history of rapid growth and expansion into new markets.
• Strong strategic thinking and analytical skills, with a demonstrated ability to apply data-driven insights to improve operational effectiveness.
• Excellent written, oral and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action.
• Passion for leveraging new technologies, including AI, to enhance operational efficiency and mitigate risks.
• Experience leading high-performing teams and developing future leaders through mentorship and coaching.

Qualifications
You have:

• A relevant BA/BS degree. MBA a plus.
• 10+ years of experience in the financial industry, with a focus on risk assessment, management, fraud prevention, disputes/chargebacks, credit risk or payment processing.
• Experience leading and managing large-scale teams.
• Demonstrated success in overseeing organizations of 100+ individuals.
• Proven experience in a technology-driven environment with a history of rapid growth and expansion into new markets.
• Strong strategic thinking and analytical skills, with a demonstrated ability to apply data-driven insights to improve operational effectiveness.
• Excellent written, oral and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action.
• Passion for leveraging new technologies, including AI, to enhance operational efficiency and mitigate risks.
• Experience leading high-performing teams and developing future leaders through mentorship and coaching.