Head of Risk

OVERVIEW Modern Treasury is hiring a Head of Risk to build our risk function from the ground up. Money moves through Modern Treasury for some of the largest and fastest-growing companies in the economy. How well we manage the risk in that movement directly shapes the product, who we can onboard, how fast they can transact, and how much friction they feel along the way. This is a foundational, hands-on role. You will decide how customers are underwritten, how limits and reserves are set, how transactions are authorized, and how we detect fraud, and you will build those systems early, before scale forces the decisions for you. This role reports to our General Counsel, who leads Legal, Compliance, and Risk. ABOUT MODERN TREASURY Modern Treasury provides trusted infrastructure for money movement. The company helps teams launch and scale payment experiences in days, not months. With best-in-class developer tools and a single API for fiat and stablecoins, plus built-in compliance, ledgering, and reporting, Modern Treasury enables businesses to move money instantly, reliably, and at scale. ABOUT THE ROLE You will start as an individual contributor with the mandate to build. You will own: Onboarding underwriting : How we evaluate customers before they move money with us, what we need to know to say yes, what conditions we attach, and how to reach that decision fast enough that it isn't the reason a customer picks someone else. You will partner with Compliance on KYB while owning the underwriting judgment beside it. Transaction risk limits : How we authorize money movement in real time, and how limits flex as we learn more about a business. This includes the hard cases, managing dynamic limits when a few customers drive most of the volume, and loosening constraints on good customers as fast as the data allows. Reserves exposure : Reserve policy and our view of loss exposure across ACH returns, unauthorized debits, and counterparty failure. You will quantify what we're exposed to, decide what's worth taking, and make that reasoning legible to the rest of the company. Detection the risk engine : The machinery. You will select and deploy the tooling, vendor, in-house, or both, that turns policy into automated decisions, and use modern AI tooling to automate case handling rather than staffing your way out of the problem. New rails, stablecoins wallet controls : The emerging surface area. You will help Modern Treasury expand into stablecoins, wallets, RfP, and local