Airwallex - Global Lead, Commercial Risk Strategy

San Francisco, California, United States - Hybrid$190k - $300k3w ago

In Office Staff NA Banking Fintech Team Lead Recruiter Risk Management B2B Reporting CRO Governance

Requirements

• 10–12 years of risk management experience within financial services, with significant time spent in 1st line or business-aligned roles directly interfacing with front-office or Sales teams. • Deep expertise in at least two of the following areas: credit and portfolio risk, payments or merchant risk, operational and conduct risk, or enterprise risk. • Proven track record of designing and implementing practical risk frameworks that materially influence commercial strategy within a Three Lines of Defense (3LoD) model. • Strong analytical data literacy with the ability to define KPIs, interrogate dashboards, and balance quantitative metrics with qualitative business judgment. • Exceptional communication skills, with a demonstrated ability to translate complex risk concepts into clear commercial language and navigate tough "risk vs. revenue" discussions with senior stakeholders. • Experience in high-growth, product-led fintech environments (e.g., payments, issuing, FX, or modern banking). • Familiarity with global regulatory and scheme frameworks relevant to B2B fintech, including KYC/AML, sanctions, card network rules, and data privacy. • Experience designing portfolio early-warning indicators, concentration limits, and stress testing. • APPLICANT SAFETY POLICY: FRAUD AND THIRD-PARTY RECRUITERS • To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com http://airwallex.com email address. Please apply only through careers.airwallex.com http://careers.airwallex.com or our official LinkedIn page. • Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary. • EQUAL OPPORTUNITY

Responsibilities

• Reporting directly to the Chief Revenue Officer, you will build and lead the first line commercial risk function for Airwallex. You will define the commercial risk strategy, own the supportability frameworks that govern which customers and use cases we back, and be the primary interface between the commercial organisation, the CRO and second and third line risk teams. You will combine strategic design with hands‑on deal support, portfolio monitoring and incident management so that risk becomes a core commercial capability, not an afterthought. • This hybrid role is based in San Francisco. • Pre-Deal Risk & Supportability: Define and manage the 1st LoD commercial risk strategy and supportability frameworks. Serve as the primary checkpoint and provide structured high quality guidance for complex or high-risk merchant use cases to unlock new revenue streams, reviewing and signing off on deal documentation before 2nd line escalation • Commercial Guardrails & Culture: Translate complex 2nd line risk appetite and policies into clear, actionable commercial playbooks. Embed risk ownership into daily operations by actively participating in major deal reviews, pipeline calls, and quarterly business reviews. • Capability Building & Conduct: Partner with enablement teams to design practical training and tools for front-office staff. Act as the primary point of accountability for commercial conduct risk, identifying misaligned sales practices or incentive structures and partnering with Revenue Operations to redesign them. • Always-On Portfolio Monitoring: Design and execute a continuous portfolio monitoring framework alongside Data and Regional RevOps teams. Proactively track metrics like GP-to-risk ratios, customer risk tiers, fraud/loss rates, and revenue concentration to mitigate emerging risks. • Incident Management & Governance: Lead structured post-mortems on commercial-induced incidents, driving root-cause analysis and 1st LoD remediation. Enforce 2nd line decisions (such as offboarding or enhanced monitoring) and represent the commercial risk perspective in internal governance forums, regulatory engagements, and audits. • Cross-Functional Leadership: Act as the strategic interface between GTM teams, the CRO, and 2nd/3rd line compliance functions. Over time, recruit and develop a high-impact team to scale coverage globally.

Benefits

• $190K – $300K • Offers Equity • Offers Bonus • Airwallex promotes fair compensation practices in accordance with applicable national, federal, state, and local law. • These expected base pay ranges are based on information at the time this post was generated and represent the company’s good faith minimum and maximum ranges for this role at the time of posting. • The actual compensation offered to a candidate will be dependent upon multiple factors, including but not limited to relevant experience, skills and other qualifications, geographic location as noted, internal equity, and other external market factors. • Certain roles may be eligible for other compensation including, but not limited to, annual bonuses, commissions, RSUs, or other forms of compensation in addition to the established salary range. • Benefits vary by country and employment type in accordance with local statutory requirements. All employees receive at least the statutory minimum for paid annual leave and public holidays, with many of our locations offering additional company-provided vacation days. • For example, for US-based employees, they are eligible to participate in medical, dental, and vision insurance, a 401(k) plan, short-term and long-term disability, basic life insurance, and well-being benefits. US-based employees also receive 20 paid days of vacation and 12 paid days of company holidays in a calendar year. • Further details about our compensation and benefits package are available upon request by contacting our Talent Acquisition team. • Upload your resume here to autofill key application fields. • Drop your resume here! • Parsing your resume. Autofilling key fields... • (City, Country) • or drag and drop here • Please include currency • Relatives include spouse/civil partner, non-married partner, parents, siblings, and/or children • Please indicate “Yes” if you have read and agree to this policy. • Decline to self-identify • Hispanic or Latino - A person of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin regardless of race. • Hispanic or Latino • White (Not Hispanic or Latino) - A person having origins in any of the original peoples of Europe, the Middle East, or North Africa. • White • Black or African American (Not Hispanic or Latino) - A person having origins in any of the Black racial groups of Africa. • Black or African American • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) - A person having origins in any of the peoples of Hawaii, Guam, Samoa, or other Pacific Islands. • Native Hawaiian or Other Pacific Islander • Asian (Not Hispanic or Latino) - A person having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian Subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam. • Asian • American Indian or Alaska Native (Not Hispanic or Latino) - A person having origins in any of the original peoples of North and South America (including Central America), and who maintain tribal affiliation or community attachment. • American Indian or Alaska Native • Two or More Races (Not Hispanic or Latino) - All persons who identify with more than one of the above five races. • Two or More Races • Hispanic or Latino • White (Not Hispanic or Latino) • Black or African American (Not Hispanic or Latino) • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) • Asian (Not Hispanic or Latino) • American Indian or Alaska Native (Not Hispanic or Latino) • Two or More Races (Not Hispanic or Latino) • I identify as one or more of the classifications of protected veteran listed above • I am not a protected veteran