---
title: 'Director of Payments & Risk at Coinme'
canonical: 'https://feeny.ai/job/director-of-payments-risk-coinme-united-states-1qpyfvpcz828'
type: 'job'
last_seen: '2026-09-13'
---

# Director of Payments & Risk at Coinme

- **Company:** Coinme
- **Location:** United States
- **Work type:** remote
- **Posted:** 2026-07-28
- **Last confirmed live:** 2026-09-13
- **Apply:** https://job-boards.greenhouse.io/coinme/jobs/5373296008

## Job description

At Coinme, we’re redefining access to financial services in a digital world. By combining the cutting-edge power of blockchain technology with everyday simplicity, we make digital currencies accessible and usable for all.

As the world's largest network of cryptocurrency kiosks with over 40,000 locations nationwide, we're breaking down barriers to crypto adoption through our seamless mobile app, secure digital wallet, and DeFi integrations. Beyond our consumer offerings, we're also the infrastructure powering the crypto revolution for businesses.

Through our enterprise Crypto-as-a-Service (CaaS) platform, we enable businesses to launch crypto capabilities in weeks, not months. Our modular, API-first infrastructure provides everything from KYC and payment processing to liquidity and custody solutions—all fully licensed and compliant.

We’re big enough to lead the charge in decentralized finance but small enough that your ideas will make waves. Every role at Coinme contributes to building a financial future where everyone has the tools to thrive. At Coinme, your growth fuels our mission. Together, we RISE.

## About the Role

Coinme’s Payments & Risk team keeps transactions safe, disputes defensible, and fraud controls sharp as we scale across consumer and platform channels. The Director of Payments & Risk owns that mission end to end: the fraud defense strategy, the AI-augmented operation that executes it, and the team that runs it.

This is a player-coach role. You set the defense architecture across fraud vendors, card processors, and banking partners, working closely with internal stakeholders such as Compliance, Product and Engineering and you keep enough hands-on depth to read raw logs and question what a rule actually did. You build and govern AI-assisted workflows that carry much of the operational load, and you develop the analysts and scientists who operate them. Decisions here are made on evidence, at speed, and must survive audit, and the function you build must not depend on any single person, including you. You own the economics of risk: losses, recoveries, and the customer friction in between.

## What You’ll Do

- Own the fraud risk strategy and the end-to-end defense architecture across the payments stack: vendor risk engines, internal controls, processor-level gates, and partner-bank requirements, with a current map of which system makes which decision.
- Run the detection portfolio as a measured system: rules, thresholds, models, and velocity limits tuned against quantified false-positive versus fraud-capture tradeoffs, with disciplined change control and post-change monitoring.
- Own the chargeback and dispute program economics: representing strategy, pre-dispute deflection signals (Ethoca, Verifi RDR, Compelling Evidence 3.0), win-rate and net-recovery reporting, and card-network monitoring standing.
- Lead fraud investigations and incident response with evidence-first discipline: reconstruct the decision trail across vendor logs, application telemetry, and processor responses before assigning a disposition; distinguish system defects from legitimate controls; defend legitimate declines against pressure to override; and turn incidents into durable fixes.
- Design and govern AI-native risk operations: agentic workflows for queue triage, decline forensics, fraud-ring detection, chargeback evidence assembly, and scheduled monitoring, with governance to match (QA gates before anything ships externally, human-in-the-loop checkpoints on account-level actions, auditable reasoning trails, and explicit boundaries on what automation may decide).
- Build and develop the team: hire, coach, and grow risk analysts and scientists, and train them to operate and extend the AI-assisted workflows, with documentation and runbooks treated as first-class deliverables.
- Drive root-cause fixes across the entire payment flow and customer journey: when a risk gap lives in another team’s system (compliance workflows, account lifecycle, internal tooling), own the influence campaign to fix it there instead of compensating downstream, and partner closely with compliance on the fraud/AML seam.
- Manage the vendor and partner ecosystem at both levels: hands-on (rules, integrations, data quality) and commercial (SLAs, escalation paths, roadmap influence), and coordinate risk posture with processors, sponsor banks, and platform partners.
- With a strong bias for action, report to executives on key risk mitigating actions to reduce risk exposure and loss, performance and risk metrics , with the ability to go beyond headline fraud rates: loss by channel, decline precision and false-positive cost, dispute win rates, automation coverage, and time-to-disposition, connecting risk decisions to profitability.

What Success Looks Like (first 6 to 12 months)

- You own the full fraud defense architecture with no or minimal regression in loss rate, chargeback ratio, or card-network monitoring standing through the transition.
- Clearly demonstrating strong decision making capability, especially in a crisis event, where time and rapid response is critical.
- The AI-assisted risk operation runs as a team-owned product: documented, version-controlled, monitored, and extended by the team, with no single-person dependencies.
- The team is hired, ramped, and closing investigations independently within SLA, each with defensible written rationale.
- Strong focus on  fixing any identified process gaps.Vendor and processor relationships run on standing commercial reviews: SLAs, escalation paths, and roadmap input.
- Executive reporting is standing and quantified, and it connects risk decisions to profitability.

## What You Bring (Must-Have)

- Experience: 8+ years in payments risk, fraud, or dispute operations within financial services or cryptocurrency, including 3+ years leading a risk, fraud, or trust and safety function, ideally at a crypto exchange or on/off-ramp.
- Payments and fraud depth: Card-rail mechanics (authorization and decline flows), chargeback and representment economics, Visa and Mastercard dispute rules and card-network monitoring programs, working knowledge of ACH and real-time rails, and fluency in crypto-side risk (wallet behavior, on-chain flows, cash-out typologies).
- Platform fluency: Extensive hands-on administration of modern fraud prevention platforms (Sardine, SEON, Sift, Kount, Forter, or similar), including rule authoring, shadow-versus-live testing, and the instinct to reverse-engineer what a rule actually does rather than trust its label.
- Data fluency: Strong SQL and comfort in log and observability platforms and analytics tooling; you answer your own questions without waiting on an analyst.
- AI-native leadership: You have built or governed AI-assisted operational workflows and can speak concretely about what you automated, what guardrails you set, and what you deliberately kept human. Aptitude is assessed in a working session.
- Institution building: You document, cross-train, and design systems that outlive your tenure; the functions you leave keep running without you.
- Influence: You change processes you don’t own, fixing root causes in other teams’ systems rather than building permanent workarounds.
- People leadership: You have hired, developed, and retained analysts, and you can lead a team through AI-driven change in how the work itself gets done.
- Judgment: Evidence discipline over convenient narratives, conservative and defensible metrics over optimistic ones, protection of good customers weighed as seriously as fraud losses, and clear communication to both technical and executive audiences.

## Nice to Have

- Direct experience with the Sardine platform and/or card processor integrations (TabaPay or similar).
- Threat-informed defense frameworks (MITRE ATT&CK, AADAPT, F3) applied to fraud.
- Blockchain analytics tooling (TRM Labs, Chainalysis, Elliptic) and wallet-clustering investigations.
- BSA/AML and SAR familiarity, including SAR-aware evidence handling and partnering with compliance on account lock and reactivation policy.
- Experience building with LLM agent frameworks (Claude Code, agent SDKs) or workflow-automation platforms.
- Modern data-stack familiarity: dbt, warehouse modeling, product analytics.
- Certifications (CFE, CAMS, FRM) or an advanced degree in a relevant field.

## How We Work

We measure before we act, count wins only when they are confirmed, and keep an audit trail for every change. We protect good customers as fiercely as we stop fraud, and we treat AI tooling as core to the job, not a novelty. If that is how you already think about risk, you’ll fit right in.

Check out our [AI Usage Guidelines](https://coinme.com/wp-content/uploads/2025/10/Coinme-AI-Usage-Guidelines-for-Candidates-10.2025.pdf) to understand how we approach AI tools during the hiring process.

## About Coinme

## Company Overview
- **One-liner**: Coinme provides a regulated, API-first crypto infrastructure platform that enables banks, fintechs, and other enterprises to offer crypto trading, custody, on/off-ramps, and compliance services.
- **Entity Type**: Private (Series A, Total Funding $30.6M)
- **Headquarters**: Seattle, Washington, United States
- **Founded**: 2014
- **Founders**: Neil Bergquist (Co-Founder & CEO)

## Core Business
- **Primary Industry**: Financial Services / Crypto Infrastructure
- **Target Customers**: B2B – Banks, neobanks, payment apps, remittance platforms, Web3 wallets, and investment platforms.
- **Mission Statement**: “To be the world’s trusted gateway to digital currencies and a better financial future.”

## Products & Services
- **Crypto-as-a-Service APIs**: Modular APIs for fiat-to-crypto and crypto-to-fiat conversion, real-time quoting, settlement, and liquidity. [coinme.com](https://coinme.com/)
- **KYC/AML Compliance**: Turnkey identity verification and blockchain monitoring for regulatory compliance.
- **Custody**: Integrated custody solutions or settlement to non-custodial wallets.
- **Payment Processing**: Debit, bank transfer, and cash options for crypto payments.
- **Remittance**: Stablecoin-based cross-border transfers with instant settlement and low fees.
- **On-Chain Monitoring**: Real-time blockchain monitoring for enhanced compliance and fraud detection.

## Market Standing
- **Valuation**: Not publicly disclosed.
- **Key Metric**: Total Funding $30.6M (7 rounds); Annual Revenue ~$8.1M (LinkedIn estimate). [LinkedIn](https://www.linkedin.com/company/coinme)
- **Notable Investors/Partners**: Digital Currency Group (lead), Pantera Capital, Nima Capital, Hard Yaka, Blockchain.com, MoneyGram International (Series A lead), Xpring (Ripple). [LinkedIn](https://www.linkedin.com/company/coinme)
- **Growth Signals**: First licensed Bitcoin ATM company in the US; Fastest Growing Company in the Pacific Northwest; operates in 10 countries; grew from a handful of ATMs to thousands of locations; parent company acquired by Polygon Labs. [coinme.com/careers](https://coinme.com/careers/)

## Competitive Advantages
- **Regulatory Leadership**: Fully licensed and regulated in the US with built-in KYC/AML, enabling a turnkey compliance solution for partners.
- **Modular API-First Architecture**: Partners can pick and choose components (payment, KYC, custody, liquidity) and integrate within weeks, not months.
- **Deep Liquidity & Multi-Currency Support**: Access to deep liquidity across multiple currencies to ensure best pricing.
- **Proven B2B2C Model**: Already powering Web2 and Web3 companies with a seamless, white-label crypto experience.

## Strategic Focus
- **Expanding Enterprise Partnerships**: Targeting banks, neobanks, and payment apps to embed crypto services.
- **Global Scaling**: Leveraging regulatory licenses and remote-first team to enter new markets (currently 10 countries).
- **Product Depth**: Continuing to evolve modular APIs and on-chain monitoring to meet growing compliance and scalability demands.

## Why Work Here
- **Remote-First Culture**: Fully remote company headquartered in Seattle, hiring worldwide. [coinme.com/careers](https://coinme.com/careers/)
- **Perks & Benefits**: 100% company-paid health insurance for employees and dependents, 401k/RRSP, stock options, discretionary time off, 8 weeks paid parental leave, $600 professional development reimbursement, zero-fee crypto trading, employee discount program. [coinme.com/careers](https://coinme.com/careers/)
- **Engineering Culture**: Emphasis on simplicity, integrity, excellence, and growth mindset. Small, high-impact teams (50 employees, ~23% technical). [LinkedIn](https://www.linkedin.com/company/coinme)
- **Values**: RISE – Reach, Integrity, Simplicity, Excellence. [coinme.com/careers](https://coinme.com/careers/)

## Sources
1. [Coinme Official Website](https://coinme.com/)
2. [Coinme Careers Page](https://coinme.com/careers/)
3. [Coinme Greenhouse Jobs](https://job-boards.greenhouse.io/coinme)
4. [Coinme About Page](https://coinme.com/about/)
5. [Coinme LinkedIn](https://www.linkedin.com/company/coinme)

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