---
title: 'QA Lead, Risk Operations at Current'
canonical: 'https://feeny.ai/job/qa-lead-risk-operations-current-new-york-j608htrftaxy'
type: 'job'
last_seen: '2026-09-08'
---

# QA Lead, Risk Operations at Current

- **Company:** Current
- **Location:** New York, NY
- **Posted:** 2026-08-06
- **Last confirmed live:** 2026-09-08
- **Apply:** https://current.com/careers/open-positions/?id=8112668&gh_jid=8112668

## Job description

## QA LEAD, RISK OPERATIONS

## ABOUT CURRENT

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

## ABOUT THE ROLE

We’re looking for a QA Lead, Risk Operations to join our growing Risk Operations team in New York. In this role, you’ll execute and enhance the quality assurance program that evaluates how accurately and consistently our Risk Operations team delivers outcomes for members, with disputes as the primary focus and organizational responsibility for QA coverage across the broader Risk Operations function.

You will govern the QA program with our BPO partners, setting standards, reviewing their QA output, and running calibration sessions to validate scoring alignment, while also directly evaluating internal team member performance. You will surface trends, document findings, and bring clear data to Operations, Compliance, and Learning & Development so the right people can act on it.

This role is ideal for someone with direct QA experience in a disputes, fraud, or risk environment in consumer fintech or financial services, who is fluent in Reg E, Reg Z, and CFPB requirements at the agent decision level and is comfortable building toward a QA program that expands in scope as the Risk Operations team grows.

## RESPONSIBILITIES

Disputes QA and BPO Governance

- Execute and continuously enhance the QA framework for disputes operations, including refining the existing scorecard, sampling methodology, and calibration cadence to ensure performance benchmarks reflect current Reg E, Reg Z, and CFPB standards
- Conduct structured reviews of agent-handled dispute cases across both BPO and internal teams, evaluating decision accuracy, procedural adherence, and regulatory compliance
- Serve as Current’s QA governance owner for outsourced disputes operations; conduct QA of QA reviews, lead calibration sessions with BPO QA leads, and hold partners accountable to performance benchmarks
- Identify scoring discrepancies and calibration drift in the BPO’s QA process; track corrective action commitments and escalate unresolved issues to Operations leadership
- Maintain and update QA scorecards as product, policy, or regulatory requirements evolve, ensuring scoring criteria remain current and consistently applied across all reviewers

Insights, Reporting and Risk Operations Coverage

- Analyze QA findings to identify error trends and knowledge gaps; document observations clearly and bring prioritized, data-supported findings to Operations, Compliance, and Risk leadership for action
- Prepare regular QA performance reporting, including accuracy rates, error trends, and compliance adherence, with Disputes Operations and Risk leadership; partner with the L&D Lead to ensure findings inform training content and coaching priorities
- Support audits and regulatory reviews by maintaining well-documented QA records and serving as the subject matter expert on QA methodology and outcomes across Risk Operations
- Own QA coverage for Risk Operations beyond disputes; assess what exists today across non-disputes risk functions, identify gaps, and build toward a consistent QA framework that can scale as those areas mature

## ABOUT YOU

- 4+ years of experience in quality assurance, operations quality, or risk operations, with direct QA experience in a disputes, fraud, or financial risk environment
- Deep familiarity with consumer financial regulations as they apply to disputes, including Reg E, Reg Z, and CFPB guidelines, and how those requirements translate to agent-level decision standards
- Proven experience governing QA programs for BPO or outsourced operations, including QA of QA reviews, calibration facilitation, scoring alignment, and vendor-level performance accountability
- Demonstrated ability to design and maintain QA scorecards, conduct structured calibration sessions, and drive scoring consistency across internal and external teams
- Strong analytical skills with the ability to identify error patterns, document findings clearly, and present data-supported observations that enable Operations and Compliance leadership to make informed decisions
- Excellent written and verbal communication skills; comfortable presenting QA findings and trend analysis to Operations, Compliance, and Risk leadership
- Highly organized and detail-oriented, with the ability to manage a structured QA workload across a high-volume, multi-vendor disputes environment
- Strong collaborator who works effectively across Operations, Compliance, Learning & Development, and BPO partners without direct authority
- Comfortable navigating ambiguity and adapting quickly as product, policy, and regulatory requirements evolve

## BONUS

- Experience in consumer fintech, neobanking, or payments, particularly at a high-growth startup
- Familiarity with customer experience, QA and workforce management platforms such as Zendesk, Assembled, Qualtrics
- Experience building or scaling QA programs from the ground up in a high-growth or rapidly changing operational environment
- Exposure to multi-function QA programs covering more than one operational domain

This role has a base salary range of $95,000 - $130,000 Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.

## BENEFITS

- Competitive salary
- Meaningful equity in the form of stock options
- 401(k) plan
- Discretionary performance bonus program
- Biannual performance reviews
- Medical, Dental and Vision premiums covered at 100% for you and your dependents
- Flexible time off and paid holidays
- Generous parental leave policy
- Commuter benefits
- Fitness benefits
- Healthcare and Dependent care FSA benefit
- Employee Assistance Programs focused on mental health
- Healthcare advocacy program for all employees
- Access to mental health apps
- Team building activities

## About Current

## Company Overview
- **One-liner**: Current is a consumer fintech platform that provides mobile-first banking services—including spending accounts, early paycheck access, credit building, and savings—to help everyday Americans improve their financial outcomes.
- **Entity Type**: Private (Series E; most recent round closed June 2026)
- **Headquarters**: New York, New York, United States
- **Founded**: 2015
- **Founders**: Stuart Sopp (CEO & Co-Founder)

## Core Business
- **Primary industry**: Financial Services / Fintech (consumer banking, payments, credit, earned wage access)
- **Target customers**: B2C — everyday Americans, including teens (custodial accounts), gig workers, and underserved or unbanked populations; no minimum income or age restrictions
- **Mission / purpose**: To improve financial outcomes for all Americans by providing affordable, integrated financial solutions that address their most important needs.

## Products & Services
- **Spending Account (Core Banking)**: Mobile-first checking account with a Visa debit card; no mandatory fees, no minimum balance, fee-free overdraft, and early access to paychecks (up to 2 days early with direct deposit).
- **Paycheck Advances (Earned Wage Access)**: Advances of up to $750 deposited directly into the Current account for qualifying members.
- **Build Card (Secured Credit Card)**: No credit check, no upfront deposit; helps members build credit history with monthly payments; managed via a single spending balance.
- **Savings Pods**: Sub-accounts that earn an annual boost up to 4.00% APY; instant transfers from spending balance.
- **Crypto Trading**: Buy/sell dozens of coins directly from spending balances with no trading fees.
- **Teen Banking (Custodial Accounts)**: Debit cards for kids with automatic allowances, instant transfers, and real-time spending alerts for parents.
- **P2P Transfers**: Send money to anyone.
- **Cash Deposits**: Available at 60,000+ participating retail locations.
- **ATM Network**: Access to 40,000+ fee-free in-network ATMs.
- **Money Management Tools**: Budgeting tools, spending insights, instant notifications.

## Market Standing
- **Valuation**: $1.5 billion (post-money, Series E, June 2026)
- **Total Funding**: $663.4M (across 10 rounds, including the Series E)
- **Annual Revenue**: Not publicly disclosed; reported 3 consecutive years of 70%+ revenue growth (as of June 2026)
- **Members**: 6+ million (as of mid-2026)
- **Notable Investors**: Springcoast Partners (led Series E), Andreessen Horowitz, Tiger Global Management, Avenir, Foundation Capital, Wellington Management, Sapphire Ventures, General Catalyst (Customer Value Fund), QED Investors, Cross River
- **Growth Signals**: 
  - Third consecutive year of >70% growth (June 2026)
  - Approaching profitability in 2026
  - Expanded credit/liquidity partnership with Cross River
  - Extended commitment from General Catalyst’s Customer Value Fund
  - Building operational scale and governance for public company readiness
  - Headcount grew 33.4% YoY to ~183 employees (LinkedIn data, 2025-2026)

## Competitive Advantages
- **Proprietary core banking technology**: Built and maintains its own core banking stack, enabling full integration of features (no silos) and direct relationships with partner banks (Choice Financial, Cross River) and Visa without intermediaries.
- **Spend-based business model**: Revenue driven primarily by interchange fees (merchant swipe fees), not deposit-based lending — a fundamentally different model from traditional banks.
- **No mandatory fees**: No annual fees, overdraft fees, or minimum balance requirements, making it accessible to low-income and underserved Americans.
- **Integrated credit building**: Secured credit card + credit score monitoring (VantageScore) tied directly to the spending account, with no separate deposit or credit check.
- **AI & cloud-native platform**: Heavy investment in AI and cloud infrastructure to deliver personalized financial experiences at scale.

## Strategic Focus
- **Product innovation**: Continued investment in AI-powered financial services, banking, payments, liquidity, and credit offerings.
- **Public market readiness**: Building the operational scale, governance, and financial profile expected of a public company; targeting profitability in 2026.
- **Member growth**: Expanding the member base beyond 6 million by deepening product adoption and entering new use cases.

## Why Work Here
- **Culture**: Mission-driven fintech focused on improving financial outcomes for everyday Americans; described as combining industry-leading technology with highly skilled talent.
- **Work environment**: Headquarters in New York, NY; hybrid/office policy not explicitly stated but roles are likely NYC-based.
- **Perks & benefits**: Competitive salary, equity, discretionary bonus program, flexible vacation policy, commuter benefits, medical/dental/vision insurance.
- **Engineering culture**: Emphasis on building proprietary core banking tech, AI/ML infrastructure, and fully integrated product experiences; strong focus on security, scalability, and innovation.
- **Recent hires from**: Varo Bank, WeWork, letgo, Deloitte, Amazon, American Express, Uber, Capital One, Morgan Stanley, JPMorganChase — indicating a high-caliber talent pool.
- **Open roles (as of mid-2026)**: Senior Software Engineer (Applied ML), Senior Business Intelligence Engineer, Senior Data Analyst, Senior Data Scientist, Director of Data Analytics, Director of Risk, Analytics Engineer, and more.

## Sources
1. [current.com/about-us](https://current.com/about-us/)
2. [current.com/careers](https://current.com/careers/)
3. [current.com](https://current.com/)
4. [LinkedIn - Current](https://www.linkedin.com/company/current)
5. [CB Insights - Current](https://www.cbinsights.com/company/current)
6. [Greenhouse - Current Careers](https://job-boards.greenhouse.io/current81)

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