{"id":1544087,"url":"https://alion.io/job/trustly-senior-manager-risk-operations-compliance","title":"Senior Manager, Risk Operations","company":{"id":4718,"name":"Trustly","domain":"trustly.com","url":"https://alion.io/company/trustly","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["San Francisco, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":250000,"max":260000,"currency":"USD","period":"year","gross":null,"usd_annual":260000},"salary_estimate":null,"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Machine Learning","optional":true}],"status":"live","first_seen_at":"2026-09-30T20:50:56Z","employer_posted_date":"2026-09-30","last_verified_at":"2026-11-05T22:49:04Z","board_verified":true,"closed_at":null,"days_open":36,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":36},"description":"WHO WE ARE\nAt Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.\nOur Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like.\nTrustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays.\n\nAbout the team \n The Data team at Trustly is the backbone of our decision-making and product innovation. We are a global, multidisciplinary collective of Software Engineers, Data Engineers, Machine Learning Specialists, Scientists, and Analysts who believe that data is more than just rows and columns - it is the fuel for a more transparent financial ecosystem.\nWe operate at the intersection of high-scale engineering and deep financial intelligence. Our team processes millions of transactions in real time, turning complex Open Banking signals into seamless payment experiences. We pride ourselves on a culture of intellectual curiosity, technical excellence, and extreme ownership.\nABOUT THE ROLE\nYou will lead the team that works the risk and return alert queues, decides and documents cases, runs representation, and moves accounts to collections at the right point. You will also own our response to banking partners on return performance, and the first-line controls over the team's work. You will apply the rules, underwriting criteria and recovery strategy the risk organization sets, and own the consistency, the service levels and the escalation of exceptions.\nWHAT YOU'LL DO\nLead the risk operations and compliance team across alert handling, case review, representment operations and collections handover.\n\nOwn the risk and return alert queues and work them to agreed service levels, with decision accuracy and case aging tracked.\n\nAct as the first line of defense on case review: investigate the case, make the required decisions, and document the reasoning.\n\nIdentify emerging patterns in the case flow and hand them to the risk and fraud analytics team with the supporting cases.\n\nSet the standard for case documentation, maintain the playbooks and standard operating procedures, and run quality assurance and calibration across analysts.\n\nOwn return rate monitoring against NACHA thresholds and internal limits, and the response to our banking partners, including the remediation plan and the evidence behind it.\n\nOwn the criteria and timing for placing accounts with third-party collections, and reconcile recovered funds back to the loss ledger.\n\nRun representment operations, and record the outcome of every case.\n\nOwn first-line controls for the team's own processes: self-assessment, controls testing, issue closure, and evidence for audit and regulatory exams.\n\nAct as the escalation point for complex cases and live fraud incidents.\n\nReduce manual work through tooling requirements and workflow change, plan analyst capacity against volume, and report service levels and turnaround times monthly.\n\nGive frontline feedback on rules and criteria that are firing wrongly to the teams that own them.\n\nWHAT WE'RE LOOKING FOR\n8+ years in payments, banking or lending risk operations, including at least 3 years managing teams.\n\nCase investigation depth: working alerts, deciding them, and recognizing the pattern that connects a group of them.\n\nExperience running a queue-based operation to service level, including capacity planning, quality assurance and turnaround reporting.\n\nACH or EFT domain expertise, including return code families, return rate thresholds and representment.\n\nExperience owning a reporting or response obligation to a bank partner or regulator, including remediation plans and the evidence behind them.\n\nHands-on ownership of first-line controls execution and controls testing, and of findings raised by second line or audit.\n\nHands-on ownership of first-line control execution and testing, and of findings raised by second line or audit.\n\nAble to work in decision and return data directly to size queue performance and analyst capacity.\n\nA high standard of written work: procedures, case notes and control evidence that stand up in an audit or a regulatory exam.\n\nPREFERRED\nBachelor's degree in business, finance, economics or a related field.\n\nExperience with third-party collections or recovery, including placement criteria and measured recovery rates.\n\nHands-on use of real-time decisioning or fraud platforms and their case management tooling.\n\nDepth in one or more of gaming, telco, utilities, insurance or financial services.\n\nExperience working with ODFIs or payment processors on operational risk matters.\n\nExperience standing up a new operations function or team, including hiring.\n\nLOCATION & WORKPLACE\nThis is a hybrid role based out of our San Francisco or New York hubs. We look for team members to be in the office Tuesday through Thursday.\nSALARY RANGES IN US-BASED ROLE POSTING\nOur salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Recruiters can share more information with applicants about the specific salary range for preferred locations during the hiring process. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include other perks and benefits.\nWHAT WE OFFER\nAt Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You will be challenged and empowered to grow, making a real impact every step of the way.\nOur team is as diverse as the global footprint we serve, with colleagues across Silicon Valley, the U.S., Canada, Brazil, Europe, and beyond. At Trustly, we foster a workplace where everyone feels they belong-a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way.\nWe offer innovative perks and benefits packages that include:\n- Flexible paid time off & generous PTO accrual plans\n- Comprehensive medical, dental, vision, and other insurances\n- FSA & HSA plans for medical and dependent care\n- Home office set-up allowance\n- Internet stipend\n- Retirement plan match for 401k and RRSP\n- Gender-neutral paid parental leave, and more!\n(The benefits and total compensation packages outlined above are for full-time employees; some exclusions apply for temporary positions.)\nAt Trustly, we embrace and celebrate diversity of all forms and the value it brings to our employees and customers. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work. All decisions regarding hiring, advancement, and any other aspects of employment are made solely on the basis of qualifications, merit, and business need.","description_format":"text","description_chars":7494,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["401k plan","Home office","Parental leave","Retirement plans"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Software & Embedded Finance","Payment Processing & Gateways"],"lifecycle":[{"event":"open","at":"2026-09-30T21:52:24Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"H-1B filings in 12 months: 5","filings_12m":5,"filings_prev_12m":0,"green_card_filings_12m":0,"median_offered_wage_usd":182500,"route":null,"cap_exempt":false,"checked_at":"2026-10-29T16:27:21+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)"],"filings_for_role_12m":0}],"liveness":{"score":44,"band":"fade","label":"Fading","p_open":1,"p_active":0.796,"p_room":0.55,"age_days":35,"expected_fill_days":28,"reasons":["conf:3","velocity","win:tail"],"computed_at":"2026-11-05T05:54:30Z"},"pay":{"stated_usd_annual":260000,"is_top_pay":true},"html_url":"https://alion.io/job/trustly-senior-manager-risk-operations-compliance","json_url":"https://alion.io/job/trustly-senior-manager-risk-operations-compliance.json","meta":{"generated_at":"2026-11-06T02:51:53Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":4868,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-07T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":4718},"rest":"https://alion.io/mcp/rest/get_company?id=4718"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Ftrustly-senior-manager-risk-operations-compliance"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Ftrustly-senior-manager-risk-operations-compliance"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Ftrustly-senior-manager-risk-operations-compliance"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/trustly-senior-manager-risk-operations-compliance\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Ftrustly-senior-manager-risk-operations-compliance"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":1544087}},{"tool":"search_jobs","arguments":{"company":"trustly.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":1544087},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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