Head of Risk & Money Services (Fintech)

Location: Denver, Colorado, United States — hybrid, with office attendance approximately 2–3 days per week

Salary: $170,000–$215,000 per year in Denver

Company

hirify.global provides payroll, employee benefits, HR services, and financial products for more than 500,000 small businesses across the United States.

What you will do

• Own Risk & Money Services end to end, including fraud and payment risk decisioning, BSA/AML operational response, Reg E disputes, collections, and consumer money operations.
• Lead a multidisciplinary organization through senior leaders, developing and scaling teams across risk operations, dispute operations, fraud operations, and consumer money services.
• Establish governance, SLAs, metrics, reporting, controls documentation, audit readiness, workforce management, and escalation frameworks.
• Oversee high-stakes real-time decisions involving payroll release, provisional credits, fraud actions, and fund recovery.
• Build the operational infrastructure for hirify.global Wallet, Cash Advance, business banking expansion, and future consumer financial products.
• Partner with Product, Engineering, Compliance, Legal, Risk, sponsor banks, regulators, and auditors while introducing AI agents, knowledge systems, and automation.

Requirements

• 12+ years of experience leading financial services operations in banking, payments, money movement, fraud, risk, or related regulated domains.
• 7+ years as a departmental leader managing large, multidisciplinary financial services operations teams through senior direct reports.
• Deep expertise in Reg E disputes, BSA/AML operational response, ACH and real-time payment risk, sponsor bank requirements, and auditable controls.
• Experience leading fraud operations, payment risk scoring, account takeover response, and fund recovery decisions with material financial impact.
• Operational experience with consumer banking, digital wallets, cash advances, or similar financial products.
• Experience formalizing regulated functions, managing regulatory and sponsor-bank relationships, leading organizational change, and building diverse teams.

Nice to have

• Experience building AI-native operations in regulated financial services.
• Experience working across fintech, banking, or financial product environments.

Culture & Benefits

• Collaborative and inclusive workplace with physical and virtual collaboration.
• Competitive base pay, benefits, and equity in the form of RSUs for full-time employees.
• Physical offices in Denver, San Francisco, and New York City, with designated hybrid office days for employees based in those locations.
• Reliable, secure, and consistent internet access is required when working from an approved non-office location.
• AI tools are incorporated into how work is performed across the organization.