Vice President of Payments (High-Risk)

17 minutes ago
Full-time
Executive
Operations
Phoenix Ecommerce Technologies

Phoenix Ecommerce Technologies

Phoenix Ecommerce Technologies is the operating system of performance commerce. We unify storefronts, checkout, payments, and CRM into a single AI-native platform that helps direct response merchants make the most money, with the least headache, on their own terms.

information technology & services
11-50
Founded 2024

Description

  • Own payments revenue, costs, pricing, reserves, losses, forecasting, and contribution margins.
  • Set Phoenix’s risk appetite, underwriting policies, approval thresholds, reserves, processing limits, and portfolio monitoring practices.
  • Manage sponsor bank, acquiring, processor, gateway, and other strategic partner relationships.
  • Lead merchant onboarding, KYC/KYB, funding, settlement, reconciliation, chargeback mitigation, and payment operations.
  • Maintain portfolio performance within Visa and Mastercard monitoring program thresholds, including VAMP, VDMP, VFMP, and MATCH/TMF.
  • Optimize approval rates, authorization performance, routing, payment attachment, pricing, packaging, and new payment methods.
  • Partner with Product, Sales, and Client Success on payment products, go-to-market strategy, and merchant communications.
  • Recruit, develop, and retain underwriting, risk, and payment operations teams.
  • Represent payments to the CEO, board, banks, and external partners.

Requirements

  • 8+ years of experience in payments, merchant acquiring, or fintech, including at least 5 years in high-risk payments.
  • Experience owning a payments P&L, portfolio, or business unit.
  • Direct experience with ISO, MSP, PayFac, or sponsor bank models.
  • Established relationships with acquiring banks, sponsor banks, processors, and gateways.
  • Deep knowledge of Visa and Mastercard monitoring programs, including VAMP, VDMP, VFMP, and MATCH/TMF.
  • Experience underwriting and managing high-risk ecommerce verticals such as nutraceuticals, supplements, skincare, peptides, and subscription commerce.
  • Knowledge of KYC/AML, PCI DSS, NACHA, and card network rules.
  • Experience setting portfolio-level reserve, rolling hold, processing limit, chargeback, and fraud strategies.
  • Ability to make fast, independent, and defensible risk decisions using portfolio data and dashboards.
  • Experience building and leading underwriting, risk, or payment operations teams.
  • Preferred: Experience with high-risk acquiring, embedded or platform payments, new bank relationships, remediation programs, ACH, RTP, or alternative payment methods.
  • Preferred: Bachelor’s degree in Business, Finance, or a related field.

Interested in this position?

Apply directly on the company website

Apply Now

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