Senior Manager, User Risk

Senior Manager, User Risk

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

About The Role

We are looking for a Senior Manager to join our Fraud Strategy team and lead Current's User Risk strategies. This role entails driving our fraud prevention, detection, and mitigation across the domains of onboarding, authentication, ATO, and account management processes. The key objectives of this role are to minimize financial losses and operational costs while enabling improved experiences and ensuring compliance. This is a critical role for the company at a time of rapid scale, and requires a leader with a business owner mentality and exceptional analytical skills.

Key Responsibilities

Manage user risk prevention, detection, and mitigation strategies, including onboarding (KYC) and account access controls, ATO defenses, suspicious user prediction and monitoring, and account restrictions and closures, in order to drive Company and role objectives.

Develop strategy for risk capabilities (automated and manual) that will minimize risk, costs, and losses while enabling better customer experiences.

Forecast, manage and be accountable for total cost of user risk policies, including downstream customer outcomes and associated business impact.

Set and deliver the roadmap that includes end to end discovery, including exploratory analysis, business case development, experimental design, performance forecasting and monitoring, model development and monitoring, and incident management.

Collaborate with Engineering, Product, and Data teams and other internal and external partners to deliver the new capabilities, risk models and policies and policy changes on the Risk roadmap.

Leverage subject matter expertise in regulations and external partners / value chains e.g. KYC and authentication technologies in order to deliver business results.

Identify and exploit emerging tools, capabilities, and / or data sources which will drive a strategic advantage for Current.

Partner with Fraud Operations and Compliance teams to ensure compliance, including procedure documentation and adherence, regulatory / bank partner exams, and Issue management.

About You

Fraud leader - Has experience in Fraud risk domain, including KYC and account management.

Critical thinker - you consider problems from all angles to remove bias and touch bottom on key assumptions.

Results-oriented - You ground contributions in real business and customer impact and prioritize effectively to maximize speed-to-impact.

Process-oriented - You look for ways to improve repeated processes in order to deliver results more efficiently and effectively.

Exceptional written and oral communication skills. You drive consensus through grounded arguments, interpersonal skills, and negotiation skills.

Creative problem-solver - able to identify obstacles and investigate and present viable solutions.

Thrive when working in a fast-moving, ambiguous environment.

Requirements

6+ years of progressive experience in analytics functions, including at least 4-6 years as an individual contributor performing quantitative analysis.

Prior experience in user risk management is required.

Undergraduate Degree with a quantitative major in Statistics, Economics, Computer Science, Mathematics, or related field.

Expert in exploratory and business analysis, experimental design, profitability drivers / unit economics.

Exceptional written and oral communication skills.

Strong people leader and collaborator.

Able to handle competing priorities and influence leadership decision-making.

This role has a base salary range of $180,000.00 to $250,000.00. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

Benefits

Competitive salary

Meaningful equity in the form of stock options

401(k) plan

Discretionary performance bonus program

Biannual performance reviews

Medical, Dental and Vision premiums covered at 100% for you and your dependents

Flexible time off and paid holidays

Generous parental leave policy

Commuter benefits

Fitness benefits

Healthcare and Dependent care FSA benefit

Employee Assistance Programs focused on mental health

Healthcare advocacy program for all employees

Access to mental health apps

Team building activities

Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches