Head of Risk

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🏄 California – Remote

🏄 California – Remote

⏰ Full Time

🔴 Lead

🎲 Risk

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Step

WebsiteLinkedInAll Job Openings

51 - 200 employees

💼 Consulting

📣 Marketing

🏦 Banking

Consulting • Marketing • Banking

Step is a next generation financial services company that aims to revolutionize banking for teens and young adults. With a focus on fostering financial independence and literacy, Step provides users with a free bank account, no monthly or hidden fees, and a mobile app to track balances and transactions. Founded by a team with over 50 years of combined experience in financial technology, Step also offers tools and rewards designed to enhance the financial journey of its users.

📋 Description

• Lead Step’s Risk strategy balancing aggressive fraud mitigation with a frictionless user experience • Partner cross-functionally with Data Science, Product, Engineering, and Compliance to embed risk-aware decisioning into the product lifecycle • Own fraud loss outcomes with Finance, balancing revenue growth against risk overhead and operational costs • Scale the Risk organization for hyper-growth by prioritizing automated, technical-first solutions • Continuously improve risk prediction models to minimize false positives and enhance precision • Execute a customer-centric risk culture focused on user trust and retention • Report to the Chief Operating Officer

🎯 Requirements

• 10+ years of high-impact risk leadership • Strong expertise in risk analytics and/or data science preferred • Proven analytical leadership using data to navigate complex challenges and drive strategic business results • Extensive Fintech or Banking experience managing high-risk consumer technology environments and payment platforms • Demonstrated success neutralising transactional fraud with accountability for fraud losses • Expertise developing defense strategies against first-party and friendly fraud • Experience collaborating with Product teams to deliver seamless customer experiences without compromising security • Outcome-oriented mindset and commitment to customer advocacy • Mastery of cross-functional influence, consensus-building, and stakeholder alignment • Extensive experience building and mentoring multidisciplinary teams across Risk Operations, Analytics, Disputes, and Investigations • Bachelor's degree or equivalent combination of education, training, and experience

🏖️ Benefits

• Competitive compensation • Stock options • Generous medical insurance • Dental insurance • Vision insurance • Company-paid life insurance • 401k plan with Safe Harbor company matching • Flexible vacation policy • Paid company holidays • 12 weeks paid parental leave with flexible return to work • Company-provided technology package • Reasonable accommodations throughout the application and interview process