At Xplor, we believe that helping people make the most of each day is the most rewarding way to spend ours.

We give small and medium-sized businesses cloud-based, intuitive technology solutions that enable them to manage all the hassles of running and growing a business, so business owners can get back to doing what they love. With Xplor Pay, we help businesses get paid quickly and securely – without hidden fees. We built the tech ourselves, and our platform delivers secure, transparent, fast, and accurate payments.

We are unified by our purpose of helping people to succeed. So, when you become part of our team, you also become part of the personal connection that strengthens the relationship people have with Xplor products.

Join our Xplor Pay vertical as Director of Risk to make a real impact every day. We say that because we know that every conversation we have, every code line we write and every interface we design is another opportunity for us to enrich our customers’ experiences.

Reporting into the SVP of Operational Risk, you will help us continue to build the risk and fraud function on a global scale. Some of the other responsibilities include:

• Provide leadership, support, and guidance & forward thought to the Global Risk & ACH Recoveries team.
• Assists in review of analysis of fraud trends across several product vertical lines.
• Maintains and Enhances KPI data for reporting of team productivity and evaluation of loss trends to report to leadership.
• Provide guidance on transaction monitoring tools and development of rule sets for fraud monitoring.
• Provide guidance on recovery processes and factors that for third party outsourcing.
• Evaluate applicant business models to identify risks and accurately assess exposure and evaluation thresholds. 
• Identify vendors and solutions that can be leveraged to enhance monitoring processes and data analysis across multiple product lines and Global markets.
• Work with product team as SME on department projects.
• Work with Credit operation teams on fraud loss trends identified related to boarding activity.
• Conduct, obtain and report month over month forecasting for Fee and Chargeback related loss.
• Maintain department reporting analysis, periodic reviews, systems, and records as required to evaluate and update merchant profiles, merchant level risk rule settings, and other risk related activities.
• Build out of Reserve calculations in managing different products such as Direct Debit
• Interface with Credit Operations and Compliance personnel on merchant issues and risk mitigation as appropriate. 
• Interact with Data engineers to identify applicable risk controls needed to be put in place to reduce fraud attempts.
• Develop policy and procedures that offer guidance around Risk activities.
• Perform other related duties as assigned by management.  

- The average base salary pay range for this position is $120k to $140k

- May be considered for a discretionary annual bonus

We are looking for curious and empathetic people. We also love to hear from people who are motivated by meaningful work, resonate with our four core values, have a positive outlook, are comfortable with ambiguity and thrive working in an ever-evolving and complex environment. We are inspired by meeting big picture thinkers and doers, people who can be both tactical and strategic, aim high and put people first in everything they do.

 Required qualifications for this role:

• Bachelor’s degree in relevant field required; equivalent range of industry specific experience/certification would be considered.  
• 5+ years of operational risk experience in payment industry preferred.
• Previous Risk/Fraud monitoring experience required. 
• 3 years of Leadership and People management experience, in both on-site and remote capacity.
• Advanced technical experience in evaluating & mapping out processing flows.
• Familiar with Operational Risk function and ability to apply fundamental process across several Global product & markets.
• Interpretation of financial statements, a plus.
• Experience in developing & implementing policies and procedures.
• Excellent written and oral communication skills 
• Strong organizational, problem-solving, and analytical skills 
• Ability to multi-task and manage priorities and workflow in a dynamic, fast-paced environment. 
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm 
• Acute attention to detail 
• Excellent customer service skills 
• Ability to deal effectively with a variety of individuals at all organizational levels. 
• Ability to communicate professionally and effectively in person, on the phone, electronically or through other means to individuals and groups 
• Advanced experience with Office & BI products required 9Excel, Power BI, Tableau, iZenda, etc.

At Xplor, we believe that the best innovation and ideas happen at the intersections of our differences - people of diverse cultures, generations, disciplines, and lived experiences. So even if you think you do not tick all the boxes, we still encourage you to apply.

Values and Life at Xplor

Our four core values guide us from how we hire and recognize our team members to how we interact with our customers day to day:

• Make life simple
• Build for people
• Move with purpose
• Create lasting communities.

If these values sound like you, and describe people you want to work with, you will thrive at Xplor.

As an Xplorer, you will be part of a global network of talented colleagues who will support your success. We look for commonalities and shared passions and give people the tools they need to deliver great work and grow at speed.

Some of our perks and benefits are: 

• 12 weeks Gender Neutral Paid Parental Leave for both primary and secondary carer
• #GiveBackDays/Commitment to social impact – 3 extra days off to volunteer and give back to your local community
• Unlimited access to LinkedIn Learning, plus regular career and growth conversations with your leader, as part of Xplor GPS
• Ongoing dedication to Diversity & Inclusion initiatives such as D&I Council, Global Mentorship Program
• Access to free mental health support
• Flexible working arrangements

Ready to apply?

To start your application, please submit your resume and we will be in touch as soon as we can. Please include the word "moonshot" at the top of your message to the Hiring Manager so that we know you took the time to read our job ad.

More about us 

Xplor Technologies is a global platform integrating SaaS solutions, embedded payments, and Commerce Accelerating Technologies to help businesses succeed. Xplor provides enterprise-grade SaaS solutions for businesses in “everyday life” verticals: Childcare & Education; Fitness & Wellbeing, Field Services and Personal Services – and a global cloud-based payment processing platform.

Xplor Technologies serves over 78,000 customers that processed over $36 billion in payments, operating across 20 markets in 2022. 

Good to know

To be considered for employment, you must be legally authorized to work in the location (country) you're applying for. Xplor does not sponsor visas, either at the time of hire or at any later time. 

We kindly ask you to apply through our careers portal or external job boards only. Please don't send your application via email.

To learn more about us and our products, please visit www.xplortechnologies.com/us/careers. 

We also invite you to check out our Candidate FAQs for more information about our recruitment process www.xplortechnologies.com/us/recruitment-faqs.

Xplor is proud to be an Equal Employment Opportunity employer. We're dedicated to attracting, retaining and developing our people regardless of gender identity, ethnicity, sexual orientation, disability, veteran status and age. Applications are encouraged from all sectors of the community. 

All Information will be kept confidential according to EEO guidelines. 

Xplor is committed to the full inclusion of all qualified individuals. In keeping with our commitment, Xplor will take the steps to assure that people with disabilities are provided reasonable accommodations. Accordingly, if reasonable accommodation is required to fully participate in the job application or interview process, to perform the essential functions of the position, and/or to receive all other benefits and privileges of employment, please contact us via [email protected]. 

We are a 2024 Circle Back Initiative Employer – we commit to respond to every applicant.