Head of Risk
Modern Treasury is a payment operations platform that provides a unified API for businesses to move money via ACH, wire, RTP, FedNow, and stablecoins with built-in compliance and ledgering.
Maintainer signals as of 8/23/2026
Projects
About Modern Treasury
Modern Treasury provides infrastructure for companies building payment products, offering a unified API across ACH, wire, RTP, FedNow, and stablecoin rails. Users can initiate and track payments, maintain accurate balances through a real-time double-entry ledger, and automate reconciliation. The platform supports both an integrated PSP model for rapid onboarding and direct bank partnerships as companies grow to larger transaction volumes.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will build the risk function from the ground up as an individual contributor. You will define customer underwriting, transaction authorization, dynamic limits, reserves, exposure policies, fraud detection, and controls for stablecoins, wallets, RfP, and international payment rails. You will select and deploy risk tooling, automate case handling with AI, work with data using SQL and ideally Python, and establish systems that scale with transaction volume. You will also explain risk decisions clearly and help develop the future risk team.
Requirements
- Experience building a risk function at an early-stage or high-growth company
- Specific payments risk experience including ACH returns settlement timing unauthorized debit exposure and counterparty risk
- Ability to learn unfamiliar payment rails and translate their risks into controls
- Systems thinking and experience designing decisioning processes at scale
- Technical and data fluency with SQL and ideally Python
- Experience applying modern AI tools to operational problems
- Experience handling fraud loss events or failed controls
- Strong judgment and ability to explain consequential decisions
- Ability to influence cross-functional stakeholders
- Previous management experience is a plus
Responsibilities
- Build the risk function from the ground up
- Define customer onboarding and underwriting decisions
- Establish transaction authorization rules and dynamic limits
- Set reserve policies and quantify loss exposure
- Select and deploy risk detection and decisioning tools
- Automate risk case handling with AI tooling
- Design controls for stablecoins wallets RfP and international payment rails
- Partner with Compliance on KYB and related risk decisions
- Create coherent risk and compliance systems
- Explain risk tradeoffs and decisions across the business
- Hire and develop the risk team over time
Benefits
- Company equity
- Generous benefits
