Head of Fraud & Risk Management Operations

Responsibilities

• The Head of Fraud & Risk Management Operations is Raisin US's most senior fraud operator, responsible for defining the fraud strategy, leading fraud operations, and building an end-to-end fraud prevention ecosystem that scales with the business and its evolving products.
• If this is the only thing you read: This role is designed for a builder, someone energized by imperfect environments, motivated to design strong systems from the ground up, and comfortable and energized by being accountable for both strategy build and hands-on execution on a daily basis.
• Fraud Strategy & Risk Leadership
• Own and evolve Raisin's U.S. fraud strategy across onboarding, KYC, account linking, payments, and account lifecycle management.
• Build the long-term roadmap for fraud prevention, including data, tooling, modeling, automation, and operational processes.
• Translate emerging fraud trends, regulatory expectations, new products, and technology innovations into actionable business strategy and automated fraud prevention solutions.
• Build predictive fraud management solutions to identify and address new fraud patterns before they impact Raisin's bottomline.
• Represent fraud risk in executive forums and serve as a trusted advisor to senior leadership.
• Fraud Operations Management
• Lead daily fraud operations, including identity verification, account authentication, ACH/payments fraud review, transaction monitoring, and investigations.
• Provide direct leadership, coaching and development to employees within Fraud and Risk Operations.
• Ensure SLAs, accuracy, and throughput targets are consistently achieved while maintaining low customer friction.
• Build efficient, scalable, resilient operational workflows using automation, decision engines, and modern fraud tools.
• Partner with Customer Service and Payments Operations to minimize customer disruption while controlling fraud exposure.
• Fraud Detection, Tools & Technology
• Drive continued evaluation, deployment, and optimization of fraud solutions including:
• IDV/KYC
• Device and behavioral intelligence
• Account linking and bank verification tools
• ACH risk and behavioral scoring solutions
• Case management and decisioning platforms
• Define requirements for fraud model development, specially predictive fraud models, feature enhancements, monitoring, and model governance.
• Work with Data and Engineering to strengthen data pipelines and integrate new signals across device, behavioral, graph, and payment telemetry.
• Fraud Analytics & Insights
• Oversee the development of fraud dashboards, KPIs, and performance reporting.
• Monitor fraud losses, false positives, customer friction, and operational efficiency and proactively recommend changes to address issues.
• Partner with Customer Service and Marketing to

Benefits

Additional Information

Raisin is the world's leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing . Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The Fraud & Risk Management Operations team protects Raisin's U.S. business across the entire customer lifecycle, from onboarding and KYC to bank account authentication, deposits, withdrawals, and ongoing account monitoring. As a high-growth, multi-bank deposit marketplace, Raisin operates in a dynamic environment where fraud threats evolve rapidly across identity, payments, and digital banking ecosystems. Our team owns the strategy, execution, and continuous improvement of the controls that safeguard the platform while enabling a seamless customer experience. We partner closely with Product, Engineering, Compliance, Data, Payments Operations, and Customer Service to make fraud prevention a competitive advantage.

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