About Rippling

Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system.

Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365—all within 90 seconds.

Based in San Francisco, CA, Rippling has raised $1.4B+ from the world’s top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of America's best startup employers by Forbes.

We prioritize candidate safety. Please be aware that all official communication will only be sent from @Rippling.com addresses.

About the role

We are seeking a Money Movement & Payment Risk Strategy Manager to lead the development and execution of credit risk strategies for our money movement and payment products. This pivotal role requires expertise in managing risks associated with pre-clearance of payment funds and overdraft features. You will work closely with various teams, including product, engineering, and compliance, to design and implement risk management solutions that enhance customer experience while safeguarding our financial integrity.

What you will do

• Develop and implement credit risk strategies for money movement and payment products, ensuring alignment with overall business objectives and regulatory requirements.
• Design risk management frameworks to address and mitigate risks associated with pre-clearance of payment funds and overdraft services.
• Collaborate with product and engineering teams to integrate credit risk management tools and systems into the payment processing infrastructure.
• Monitor and analyze the performance of credit risk strategies, identifying trends and emerging risks in money movement and payment products.
• Develop automated decisioning tools for credit risk assessments to enhance efficiency and reduce potential financial losses.
• Work with compliance and legal teams to ensure all credit risk policies meet regulatory standards and industry best practices.
• Support business development initiatives by providing credit risk insights for new product launches and market expansion.
• Stay informed on industry trends, regulatory changes, and technological advancements in credit risk management.
• Maintain a robust operational control environment to ensure compliance and minimize potential risks.

What you will need

• 3-5 years of demonstrated experience in developing and executing credit risk strategies for payment and money movement products, including pre-clearance and overdraft features, with an in-depth understanding of money movement processes, payment systems, and associated risks.
• Expertise in data analysis with strong analytical skills.
• Strong collaboration skills with a track record of working effectively with product and engineering teams.
• Excellent communication and leadership abilities, capable of influencing stakeholders at all levels.
• Bachelor's degree in finance, economics, business administration, statistics, mathematics, or a related field.

Nice to have

• Experience with SQL or Python is a plus.
• MBA or master's degree preferred, especially in a relevant field such as data analytics, engineering, or statistics.
• Prior experience with risk decisioning engines such as Datavisor.
• Experience partnering with product or engineering teams to build new risk management decision engines and features.

Additional Information

Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics, Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email accommodations@rippling.com

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role.

This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here.

A variety of factors are considered when determining someone’s compensation–including a candidate’s professional background, experience, and location. Final offer amounts may vary from the amounts listed below.