Director / VP of Fraud

About Us:

We give businesses and their customers peace of mind by solving complex credit challenges with precision, speed, and intelligence, combining deep expertise with advanced technology, to simplify the experience and deliver better outcomes, every time.

We're a fast-growing fintech empowering enterprise merchants with smarter, more adaptive pay-over-time solutions. From point-of-sale financing to “Buy Now, Pay Later” programs and loyalty integrated offers, we’re building configurable credit tools that help businesses serve more of their customers.

We value teamwork, clarity of purpose, and rigorous attention to data to drive action. We balance speed and excellence to deliver an exceptional customer experience.

About the Role

The Director of Fraud Risk is a critical leadership position responsible for protecting the integrity, assets, and reputation of the ClarityPay ecosystem. You will own the end-to-end fraud management strategy, governance framework, and defense mechanisms across the customer lifecycle (from application/KYC to transactions and account servicing). This role requires an exceptional blend of strategic thinking, deep technical knowledge of fraud detection models, and the ability to balance the need for industry-leading security with our promise of a seamless, easy, digital application experience for customers. You will be directly accountable for managing the company's fraud losses within defined risk appetite limits.

Key Responsibilities: What You'll Do

I. Strategy, Governance, and Financial Accountability

- Fraud Risk Strategy Ownership: Define, implement, and maintain the comprehensive enterprise-wide fraud risk management framework, policies, and standards (including prevention, detection, and response).

- Loss Minimization & Reporting: Be accountable for total cost of risk, including fraud losses, cost of false positives, and operational expenses. Define Key Risk Indicators (KRIs), monitor performance against defined risk appe...