Senior Manager of Fraud Strategy

hi-logo [https://hi-contentful.imgix.net/4xN7JhmwCRuz3y9M8L8CF7/5c244c52cfc982bd1a348a80dc35d43b/hi-logo-new.svg?auto=format&ixlib=react-9.0.3&h=40&w=132&q=50&dpr=2] Human Interest is on a mission to ensure that people in all lines of work have access to retirement benefits.  More than half of all working Americans are not saving enough for their future. Too often, it’s because they are employed by a company that doesn’t offer a retirement plan. Human Interest is changing that by making it affordable and accessible for small and medium-sized businesses to offer employees a path to financial independence through retirement savings. We’re a high-growth fintech company changing the retirement industry. We are backed by a number of investors. This includes funding from Marshall Wace and Baillie Gifford, as well as top investors such as BlackRock [https://www.globenewswire.com/news-release/2023/01/13/2588448/0/en/Human-Interest-and-BlackRock-Join-Efforts-to-Expand-Access-to-Retirement-Plans-for-Working-Americans.html#:~:text=Human%20Interest%20has%20secured%20approximately%20%24500%20million%20in%20funding%20to%20date&text=NEW%20YORK%20and%20SAN%20FRANCISCO,businesses%20across%20the%20United%20States.], TPG (The Rise Fund) [https://www.globenewswire.com/news-release/2021/08/04/2274611/0/en/The-Rise-Fund-Leads-200M-Series-D-Investment-in-Human-Interest-to-Accelerate-Growth-and-Societal-Impact.html], SoftBank, Glynn Capital [https://www.globenewswire.com/news-release/2021/02/11/2174214/0/en/Human-Interest-Completes-105M-Series-C-Following-Breakout-Year-in-2020.html], NewView Capital, USVP, Wing, Uncork, and more. About the role As a Senior Manager of Operations within Customer Success & Operations, you will lead a multi-team organization of Operations Managers responsible for the accurate, compliant, and timely execution of multiple money movement flows on behalf of our clients and their participants. Reporting directly to the Senior Director of Operations, you will translate high-level organizational strategy into actionable operational plans, driving a culture of continuous improvement, strict risk mitigation, and client-centric execution. In this role, you will serve as a critical strategic link between frontline operations and cross-functional leadership—including Product, Engineering, Data, Legal, and Sales/Onboarding. You will mentor and develop direct-report managers, scale high-volume transaction operations, and leverage data-driven insights to elevate customer experiences while maintaining a lean operational footprint. About the team The CS Operations organization sits at the heart of Human Interest's mission to make retirement savings accessible. Our teams ensure high-value financial transactions for thousands of participants every day are handled seamlessly—ensuring every dollar lands in the right place, on time, and in full compliance with regulatory requirements. We operate in a highly regulated environment where errors carry real and substantial financial risk, so precision is non-negotiable. We maintain data integrity through rigorous review, quality control, and escalation protocols, and we collaborate closely with Customer Success, Engineering, Product, and Compliance to optimize workflows, surface operational insights, and continuously improve the customer experience. We partner tightly with peer teams across Operations to share best practices, understand shared challenges, and strengthen Operations as a whole. What you get to do every day * Coach & Develop Leaders: Directly manage, mentor, and build leadership bench strength across multiple Operations Managers. Establish high performance standards, hold leaders accountable to ambitious KPIs, and cultivate a robust pipeline of future operational talent. * Drive Vision & Strategic Alignment: Translate company strategy into departmental goals across multiple money movement flows. Maintain a broad business perspective, ensuring team priorities align directly with company objectives and broader operational effectiveness. * Operational Excellence & Performance Monitoring: Own high-level metrics for SLA adherence, quality, accuracy, and cycle times. Utilize data, capacity modeling, and optimization reports to continuously elevate throughput and set ambitious goals across teams. * Cross-Functional Strategic Partnership: Build collaborative relationships with leaders in CS&O, Product, Data, Legal, and Sales. Act as an operational translator, channeling frontline customer insights to shape product roadmaps while seamlessly operationalizing technical and regulatory changes. * Risk Management & Control Environment: Maintain a rigorous control environment across all transaction lifecycles. Proactively identify, assess, and mitigate operational risks to prevent financial loss and ensure full compliance in a highly regulated landscape. * Client Experience & Root Cause Analysis: Foster a client-first mindset that looks beyond vanity metrics to evaluate true customer experience. Lead deep-dive root cause analyses on operational trends and complex escalations to implement long-term structural fixes. * Process Optimization & Innovation: Drive a culture of innovation by identifying and scaling opportunities for workflow automation, process standardization, and system enhancements to maintain a lean operational footprint. * Change Leadership & Transparent Communication: Lead teams through change with clarity and empathy. Maintain clear, concise, and solution-oriented reporting cadences with executive leadership and internal stakeholders. * Other duties as assigned. What you bring to the role * Experience: 4+ years of operational management experience in financial services, fintech, retirement services (401k), or banking, with 2+ years specifically managing other People Managers/Leaders. * Domain Expertise: Deep understanding of money movement processes, transaction lifecycles, and risk controls within a regulated environment. * Leadership Development: Proven track record of developing direct-report managers, setting clear expectations, managing performance, and building high-performing operational teams. * Data-Driven Decision Making: Demonstrated ability to leverage complex data reports, staffing models, and SLA metrics to drive strategy and prioritize trade-offs. * Cross-Functional Influence: Exceptional ability to partner with cross-functional leadership (Product, Engineering, Legal, CS) to align on shared goals and advocate for operational priorities. * Change & Process Management: Experience designing end-to-end operational improvements, scaling processes, and leading large teams through organizational change. * Communication & Integrity: High ethical standards with outstanding written and verbal communication skills tailored for executive leadership. Nice to have * Bachelor's degree in Business, Finance, Accounting, or a related field. * Direct experience with 401(k) recordkeeping systems, payroll integrations, or complex financial reconciliations. * Formal certification in process improvement methodologies (Lean, Six Sigma) or continuous improvement frameworks. * Experience in high-growth, fast-paced fintech environments.   Why you will love working at Human Interest Human Interest is tackling one of our country's biggest challenges - closing the retirement gap. You'll be instrumental in architecting and scaling solutions that bring financial security to employees at small and medium-sized businesses nationwide. We’ve made significant progress, but there is still growth ahead, offering you a unique opportunity to solve complex problems, drive innovation, and advance your career alongside a dedicated, mission-driven team. We value hard work and recognize that our team's contributions are key to our continued success. Join Human Interest and make a lasting impact by shaping the future of retirement. Our operating principles define how we work together as a team. They reflect Human Interest’s unique view on what’s important and what’s right. Documenting this core aspect of our culture helps employees make good decisions on their own. It also helps candidates considering career opportunities critically evaluate whether they will thrive at Human Interest.  * Customer obsession: We're all about creating amazing experiences for our customers. We put their needs first and go the extra mile to make them smile. * Long-Term Orientation: We're not just playing for today; we're building a legacy. We think big, plan strategically, and invest in our future. * Autonomous and Accountable Teams: We trust our team members to take ownership and make smart decisions. We empower you to be your best self! * An Escalating Bar for Talent and Performance: We're constantly raising the bar and challenging ourselves to be better. We believe in growth and continuous improvement. * Fundamental Optimism: We see the glass as half full (and then we fill it up with more amazing ideas!). We believe in the power of positivity and the potential for greatness. Compensation - At Human Interest, there are a number of factors that are used to determine the appropriate pay range for each position. We take into account the cost of labor for each position in various markets across the U.S. The base salary for this position spans $125,000 - $150,000 and represents the minimum in our lowest geographic region to a maximum in our highest geographic region. The salary we offer to a new employee within this range is based on their location within the U.S., their relevant job-related skills, and experience. At Human Interest, base salary is one component of the overall total rewards package. Depending on the position, additional compensation components such as bonuses, commissions, and equity may be offered. All of our employees are offered a robust suite of physical, financial, and mental wellness benefits. In compliance with applicable laws, we do not inquire about salary history, or about criminal history prior to a conditional offer of employment. Benefits -  * A great 401(k) plan: Our own! Our 401(k) includes a dollar-for-dollar employer match up to 4% of compensation (immediately vested) and $0 plan fees * Top-of-the-line health plans, as well as dental and vision insurance * Competitive time off and parental leave * Addition Wealth:  Unlimited access to digital tools, financial professionals, and a knowledge center to help you understand your equity and support your financial wellness * Lyra: Enhanced Mental Health Support for Employees and dependents   * Carrot: Fertility healthcare and family forming benefits * Candidly:  Student loan resource to help you and your family plan, borrow, and repay student debt * Monthly work-from-home stipend; quarterly lifestyle stipend * Engaging team-building experiences, ranging from virtual social events to team offsites, promoting collaboration and camaraderie. We’re a great place to work (but don’t take our word for it)  Here’s a list of our awards and accolades: * Certified as a Great Place To Work® (2023-2025) * Fortune Best Place to Work in the Bay Area (2024) * Best Places to Work by Built In (2023-2024) * America’s Best Startup Employers by Forbes (2020-2022, 2024)  * A Top Company by Y Combinator (2020-2023) * Inc. Fastest Growing Companies (2021) Human Interest is an equal opportunity employer. All applicants will receive consideration for employment without regard to race, color, religion, sex, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, veteran or military status, pregnancy, or any other characteristics protected under federal, state, or local laws. Employment with Human Interest is at-will, meaning either you or the company may terminate employment at any time, with or without cause or notice, except as otherwise provided by law or written agreement. We are committed to making every stage of our application process fully accessible to all individuals. If you need a reasonable accommodation at any point in the process, please let us know at applicantaccommodations@humaninterest.com [applicantaccommodations@humaninterest.com]. Protect yourself against fraud and identity theft. Apply to our open positions directly via our careers page [https://job-boards.greenhouse.io/humaninterest] on Greenhouse. Human Interest will never ask applicants for their financial or banking information as part of our application process. All legitimate communication will come from a @humaninterest.com [http://humaninterest.com] email address. If you have questions, please reach out to us directly at careers@humaninterest.com Please note Human Interest does not accept unsolicited resumes from any source other than directly from candidates. We will not consider resumes from vendors, including and without limitation search firms, staffing agencies, fee-based referral services, and recruiting agencies.  Pursuant to the San Francisco Fair Chance Ordinance, we will consider employment-qualified applicants with arrest and conviction records. We comply with CCPA [https://humaninterest.com/applicant-privacy-notice/] guidelines. See more: https://humaninterest.com/disclosures [https://humaninterest.com/disclosures]

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM: The Ongoing Monitoring team sits at the core of Tide’s trust and safety ecosystem, building the systems that power our fraud detection, financial risk, and regulatory compliance capabilities. As Tide continues to scale, the team is responsible for designing and evolving intelligent, resilient, and adaptive platforms that protect our members and keep the business safe. Working closely with Product, Data Science, Design, Compliance, and Operations, the team combines deep technical expertise with a strong focus on member experience, ensuring that our risk and monitoring capabilities are both effective and intuitive. This is a high-impact area at a pivotal stage of Tide’s growth, offering the opportunity to shape the future of AI-driven fraud and risk management at scale. ABOUT THE ROLE:  As Head of Machine Learning you will: * Define and execute a risk engineering strategy: develop plans that align with Tide’s long-term vision to ensure that our approach to risk supports rapid and compliant growth. * Lead a team of talented managers and engineers: foster a culture of excellence, innovation, user-centric design, and collaboration in our engineering team. * Build and scale risk infrastructure: architect and scale foundational risk systems to support real-time decision-making, effective data management, and advanced fraud prevention. * Develop self-service tools for internal teams: empower product, compliance, and risk operations teams with extensive and user-friendly risk tooling, enabling independent monitoring and management of risk processes and reducing dependencies for day-to-day operations. * Support compliance and regulatory standards: collaborate with legal and compliance experts to keep Tide a compliance leader in an evolving regulatory climate. * Champion data-driven risk management: lead initiatives to leverage data and machine learning in fraud detection and compliance, providing Tide with actionable insights and automated solutions that improve our resilience. WHAT WE ARE LOOKING FOR: * Proven leadership in engineering: 12+ years of engineering experience with at least 2 years in a senior leadership role (e.g., head, director, or senior manager), ideally within fintech or regulated technology environments. * Risk and compliance expertise: deep experience in fraud prevention and compliance (KYC/KYB, AML), ideally within the financial services industry. * Machine Learning: Strong experience in supervised and unsupervised models, decision trees, neural networks, and Large Language Models (LLMs). * Agent Frameworks: Hands-on experience with multi-agent orchestration frameworks (e.g., LangGraph, AutoGen) used to build self-correcting compliance workflows. * Fintech Domain Knowledge: Deep understanding of fraud vectors (e.g., mule accounts, account takeovers, synthetic identity fraud) and AML typologies. * Adversarial AI Security: Proven track record in detecting deepfakes, synthetic identities, and prompt injection attacks targeting financial systems. * Risk/Scale: Minimum 3+ years building and deploying production-grade, risk-scoring environments at scale. * Experience with fintech platforms -  risk/compliance tooling (AML, Fraud, Financial Risk, SARs, KYX, agentic AI detections ) * Excellent people leadership skills – you know how to grow and inspire teams. * Solid technical foundations: cloud-native architectures, microservices, event-driven systems, and data platforms (AWS or GCP). WHAT YOU’LL GET IN RETURN: Our location-specific employee benefits are designed to cater to the unique needs of Tideans:  * Competitive Compensation -  competitive salary and share options * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private family insurance with additional OPD coverage and top-up options. * Life & Accident Cover – Comprehensive accidental and life insurance protection. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent). TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.