Empowering fintech builders with seamless banking solutions
Unit is a leading Banking-as-a-Service platform headquartered in Kips Bay, New York, empowering fintech builders to integrate financial services seamlessly. With a valuation exceeding $1 billion, Unit has raised $169.6 million in funding and serves a growing customer base that includes companies lik...
Unit offers startup equity and a 401(k) plan, a flexible vacation policy allowing employees to take the time off they need, and an unlimited book budg...
Unit's culture is centered around simplifying financial services for businesses, promoting a flexible, white-label solution that allows easy integrati...
Unit • New York Office
Unit is a market leader in embedded finance. We offer ready-to-launch financial services - like banking and capital - and serve millions of end-users across ~100 customers, including Wix, Honeybook, Relay, and more.
We’re repeat founders with technical backgrounds, working hard to build a successful company that we’re proud to work at. Our product moves $40b+ annually and processes 12m+ API calls daily. We’ve raised $160m+ from top investors including Insight, Accel, and 60+ angels.
We are looking for a strategic and execution-focused Head of Risk and Banking Operations to join our team. Reporting to the Head of Risk & Fraud, this role will oversee and lead both the Risk Operations and Banking Operations teams. The ideal candidate is a proven leader with deep industry knowledge, strong analytical and operational capabilities, and the ability to build high-performing teams in a fast-paced environment.
This role is based in New York.
Team Leadership & Execution
Lead and manage the Risk and Banking Operations teams, including full-time and part-time employees.
Oversee hiring, training, development, and performance management of team members.
Ensure operational excellence in daily workflows, driving consistent, high-quality service delivery across risk and banking functions.
Identify and execute opportunities for operational automation and scalability through technology and AI.
Policy, Process, and Performance
Define, implement, and continuously improve policies and procedures for onboarding (KYC/KYB/CIP/OFAC) and banking operations (payments and transactions, disputes).
Establish and manage SLAs, KPIs, and other operational metrics to evaluate team efficiency and effectiveness.
Own documentation of internal policies and technical processes, ensuring clarity and compliance.
Cross-Functional Collaboration
Serve as the primary point of contact for banking operations matters with Unit’s bank partners, and coordinate operational alignment.
Interface with clients to provide guidance, training, and support on tools and banking operations processes.
Partner closely with internal stakeholders across Risk, Fraud, Product, Customer Success, and Compliance.
Collaborate with Product, Engineering, Fraud Analytics, and Data teams to develop rules, models, and tools that reduce manual work and enhance fraud detection and service efficiency.
5+ years experience leading large operational teams, ideally across both risk and banking operations.
Experience in a high-growth technology company or financial institution, preferably in embedded finance or fintech.
Deep understanding of the banking ecosystem, regulatory frameworks (e.g. KYC, CIP, OFAC), and fraud risk management.
Strong analytical skills, with experience using data to drive decisions and improve operational outcomes.
Proven ability to lead cross-functional initiatives and deliver scalable solutions.
Exceptional communication, client-facing, and stakeholder management skills.
Team-oriented mindset with a strong sense of ownership and accountability.
Working at Unit means joining a global team on a mission to create a more equitable financial ecosystem. We’re a fast-growing team of individuals who are passionate about their work, see the big picture and always seek to empower our clients and their end-customers.
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