Vice President of Payments – High-Risk

Job not on LinkedIn

🔥 17 hours ago

🇺🇸 United States – Remote

⏰ Full Time

🔴 Lead

👔 Vice President

👻 Ghost score 18%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

Apply Now

Find Similar Remote Jobs

Set Up Email Alert For New Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

Phoenix Ecommerce Technologies

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2024

🛍️ eCommerce

💳 Fintech

☁️ SaaS

🔥 Funding within the last year

💰 $5M Series unknown on 2025-11

eCommerce • Fintech • SaaS

Phoenix Ecommerce Technologies is an ecommerce infrastructure and payments platform built for high-volume direct-to-consumer (D2C) merchants. It provides a headless, no-code customizable checkout and funnel builder, AI-powered decline recovery and payment routing, tokenized vaulting, subscription and billing management, and analytics to optimize approvals, conversions, and lifetime value. The product emphasizes higher authorization rates, faster wallet-native checkouts (Apple Pay, Google Pay), multi-processor support, and retention automation for subscription and direct-response brands.

📋 Description

• Own Phoenix's high-risk payments business end to end, including P&L, risk posture, bank and processor relationships, and operating engine • Own underwriting, risk, payment operations, partner strategy, and payments go-to-market strategy • Manage processing revenue, pricing, residuals, costs, loss reserves, write-offs, contribution margin, forecasting, and reporting • Set risk appetite, underwriting policies, approval authority, escalation thresholds, reserve strategy, rolling holds, processing limits, and portfolio concentration limits • Own chargeback and fraud thresholds, remediation playbooks, portfolio monitoring, reviews, offboarding decisions, and client communications • Keep the portfolio within Visa and Mastercard monitoring program thresholds including VAMP, VDMP, VFMP, and MATCH/TMF • Source, negotiate, defend, and diversify sponsor bank, acquiring, processor, gateway, and orchestration relationships • Lead Schedule A negotiation, buy rates, cost structure, audit readiness, ISO/MSP registration, and compliance reporting • Expand into new markets, verticals, and geographies • Own merchant onboarding, KYC/KYB, activation, time-to-board, funding, settlement, reconciliation, residual accuracy, chargeback mitigation, authorization performance, decline recovery, routing, SOPs, SLAs, dashboards, and automation roadmap • Drive approval rate, authorization optimization, Phoenix payments attach rate, payment product roadmap, pricing and packaging, and new payment rails including ACH and RTP • Recruit, develop, and retain underwriters, risk analysts, and operations leaders; set performance standards and accountability systems • Serve as executive voice of payments to the CEO, board, banks, and partners

🎯 Requirements

• 8+ years in payments, merchant acquiring, or fintech, including at least 5 years directly in high-risk • Proven ownership of a payments P&L, portfolio, or business unit, not solely a functional team • Direct experience with ISO, MSP, PayFac, or sponsor bank models • Existing relationships with acquiring banks, sponsor banks, processors, and gateways • Deep working knowledge of Visa and Mastercard monitoring programs (VAMP, VDMP, VFMP, MATCH/TMF) and the corrective action each requires • Demonstrated experience underwriting and managing high-risk ecommerce verticals such as nutraceuticals, supplements, skincare, peptides, and subscription or continuity offers • Command of KYC/AML, PCI DSS, NACHA, and card network rules • Experience setting reserve, rolling hold, and processing limit strategy at the portfolio level • Track record of holding chargeback and fraud ratios inside card brand thresholds while growing volume • Ability to make fast, independent, defensible risk decisions with incomplete information • Experience building and leading underwriting, risk, or payment operations teams • Strong analytical skills and fluency operating from portfolio data and dashboards