Zip Co Limited

Role Description Shape the future of compliance engineering through technical leadership, scalable architecture, and continuous platform evolution. As our Tech Lead Engineer – Compliance, you'll shape not only what we build, but how we build it, how it scales, and how it evolves. Working at the intersection of architecture, execution, and engineering strategy, you'll partner closely with Product, Engineering, and Architecture leaders to guide technical direction, navigate complex trade-offs, and deliver scalable, resilient solutions that support both business growth and regulatory compliance. Interesting problems you’ll get to solve: - Partner with Product and Engineering leaders to define technical direction and delivery sequencing that maximize business impact. - Drive engineering strategy for the Compliance domain, balancing product delivery with long-term platform evolution. - Lead platform modernization initiatives, proof of concepts (POCs), and architectural improvements in partnership with Architecture and Infrastructure teams. - Define and evolve engineering best practices across testing strategies, including contract testing, integration testing, and event validation patterns. - Design scalable, resilient distributed systems using .NET, Azure, Domain-Driven Design (DDD), CQRS, and event-driven architecture. - Validate architectural decisions using performance data, traffic projections, and operational benchmarks while designing for resilience and predictable scaling. - Advance observability and operational excellence by improving telemetry, monitoring, alerting, service reliability, and engineering visibility through Dynatrace. - Drive cost-aware engineering decisions that improve platform efficiency without compromising reliability or customer experience. - Evaluate emerging technologies, including AI-assisted engineering practices, to improve developer productivity and platform scalability. - Champion technical excellence by improving engineering documentation, reducing knowledge silos, and fostering a culture of continuous learning through design reviews and technical mentorship. - Mentor engineers through design reviews, technical coaching, and knowledge sharing to raise engineering standards across the team. - Partner with Product Engineering, Architecture, Risk, Finance, and Infrastructure teams to deliver secure, scalable, and future-ready compliance solutions. Qualifications - 12+ years of backend software engineering experience, including at least 3 years in a senior technical leadership role. - Deep expertise building distributed systems using .NET/C#, Azure Cloud Services, Domain-Driven Design (DDD), CQRS, and event-driven architecture. - Proven ability to define technical strategy, influence architectural direction, and lead platform modernization initiatives across multiple teams. - Strong understanding of financial and transactional systems, including order lifecycle, refunds, reconciliation, accounting integrations, and backward-compatible APIs. - Experience improving observability, operational excellence, and infrastructure efficiency using Dynatrace or comparable monitoring platforms. - Demonstrated ability to make cost-aware architectural decisions while balancing scalability, reliability, and maintainability. - Proven experience mentoring engineers and elevating engineering standards through technical leadership. - Experience leveraging AI-assisted development tools to improve software delivery and engineering productivity. Requirements - Clear alignment with Zip’s core values. - Preferred: Experience in fintech, payments, or other regulated industries. - Preferred: Experience defining testing strategies and contributing to service reliability and SLO initiatives. Benefits - Flexible working culture. - Incentive programs. - Unlimited PTO. - Generous paid parental leave. - Leading family support policies. - Company-sponsored 401k match. - Learning and wellness subscription stipend. - Beautiful Union Square office with a casual dress code. - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available. - The annual base pay range for this position is $180,000 - $195,000. - Additional premium percentages may apply based on our tiered premium strategy. - The total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.

Role Description Join us to drive second-line oversight and challenge of Zip's enterprise issue and incident management framework, partnering with business stakeholders and regional risk teams to drive effective incident analysis, root cause identification, remediation oversight, lessons learned, and governance reporting that strengthens the organization's overall risk and control environment. - Support second-line oversight and challenge throughout the issue and incident lifecycle, ensuring alignment with Group Risk standards and governance requirements. - Support business stakeholders and regional risk colleagues to strengthen and mature Zip’s enterprise issue and incident management framework. - Review, assess, and challenge incident classifications, impact assessments, root cause analyses, and remediation plans to support consistent enterprise-wide practices. - Facilitate timely escalation of material incidents and emerging risk themes to senior leadership and governance forums. - Analyze incident trends, control failures, and recurring themes and provide insights to identify systemic risks and opportunities for control enhancement. - Support incident investigations, ensuring root causes are appropriately identified and documented, and corrective actions address underlying risk drivers. - Monitor remediation activities through closure, providing independent challenge and validation of action effectiveness. - Lead and coordinate post-incident reviews and lessons learned activities to drive continuous improvement across processes, controls, and risk management practices. - Develop and enhance management information, metrics, and governance reporting that provide meaningful insight into issue and incident trends, remediation progress, and risk exposure. - Leverage AI-enabled tools and data analysis techniques to support incident investigations, identify emerging risk themes, and improve the quality and efficiency of risk reporting. - Evaluate opportunities to enhance issue and incident management processes through automation, analytics, and responsible use of AI-powered productivity tools. Qualifications - 5+ years of experience in operational risk, enterprise risk management, issue management, incident management, compliance, audit, or a related second-line risk function within a regulated environment. - Demonstrated experience managing or overseeing issue and incident management frameworks, including root cause analysis, remediation oversight, and lessons learned activities. - Strong understanding of enterprise risk management frameworks and core risk disciplines, including RCSAs, risk appetite frameworks, risk taxonomy, controls assessment, and governance reporting. - Experience conducting incident reviews, investigations, and control failure analysis with the ability to identify underlying systemic risks. - Proven ability to provide effective challenges and influence stakeholders across all levels of the organization. - Experience developing risk reporting, key risk indicators, and governance materials for senior management and executive committees. - Strong analytical and problem-solving capabilities with the ability to synthesize complex information into actionable insights. - Experience working across multiple business functions and regions in a fast-paced and evolving environment. - Demonstrated ability to effectively use AI-powered productivity and analysis tools to improve research, reporting, documentation, and operational efficiency. - Curiosity and willingness to adopt emerging technologies, including AI-enabled solutions, while applying appropriate risk management and governance considerations. - Experience using data analytics, automation, or AI-assisted tools to support risk analysis, investigations, reporting, or decision-making is preferred. Benefits - Flexible working culture - Incentive programs - Unlimited PTO - Generous paid parental leave - Leading family support policies - Company-sponsored 401k match - Learning and wellness subscription stipend - Beautiful Union Square office with a casual dress code - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Role Description As a CRM Technical Ops Specialist, you’ll play a critical role in helping Zip deliver timely, personalized, and high-performing customer communications across email, push, SMS, and other lifecycle marketing channels. This role combines technical campaign execution, operational rigor, customer insights, and experimentation to help improve engagement and lifecycle performance at scale. - Build and execute CRM campaigns across email, push, SMS, and lifecycle channels to support customer engagement and retention goals. - Execute end-to-end campaign operations including audience segmentation, setup, QA, deployment, monitoring, and reporting. - Develop data-driven audience targeting strategies using customer insights, behavioral data, and lifecycle engagement trends. - Partner cross-functionally with Marketing, Product, Data, and CRM stakeholders to translate campaign goals into scalable execution plans. - Optimize campaign performance through A/B testing, personalization strategies, device optimization, and engagement analysis. - Leverage AI-driven tools and experimentation to improve segmentation, targeting, workflow efficiency, and campaign performance. - Analyze campaign results and operational metrics to identify opportunities for continuous improvement across the CRM program. - Support CRM operational processes including journey management, business rules, campaign troubleshooting, and workflow documentation. - Manage customer data integrations and campaign dependencies to ensure accurate targeting, personalization, and delivery across platforms. - Stay current on CRM, Martech, and AI-enabled marketing best practices to help evolve Zip’s lifecycle marketing capabilities over time. Qualifications - 1–2+ years of experience in CRM, lifecycle marketing, digital campaign operations, or marketing automation roles. - Hands-on experience using CRM or marketing automation platforms such as Braze, Salesforce Marketing Cloud, Adobe Marketing Cloud, Pardot, Marketo, Cheetah, or similar tools. - Experience executing campaigns across channels including email, push notifications, SMS, or in-app messaging. - Familiarity with customer segmentation, targeting strategies, audience management, and lifecycle marketing principles. - Strong analytical and problem-solving skills with experience using campaign reporting, attribution, A/B testing, and engagement metrics to drive decisions. - Experience leveraging AI tools or automation workflows to support campaign execution, personalization, reporting, or operational efficiency. - High attention to detail with the ability to manage multiple campaigns, timelines, and priorities in a fast-paced environment. - Curiosity and a continuous improvement mindset with a strong interest in learning new tools, technologies, and marketing strategies. - Ability to collaborate effectively across technical and non-technical stakeholder groups to drive campaign execution and operational success. - Bachelor’s degree or equivalent practical experience in Marketing, Communications, Business, Analytics, or a related field preferred. Benefits - Flexible working culture. - Incentive programs. - Unlimited PTO. - Generous paid parental leave. - Leading family support policies. - Company-sponsored 401k match. - Learning and wellness subscription stipend. - Beautiful Union Square office with a casual dress code. - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available.

Role Description As an Associate Director US, Partner Success, you will own and expand some of Zip’s most strategic Enterprise merchant relationships across the retail, eCommerce, and payments ecosystem. This role goes far beyond day-to-day management — you’ll act as a strategic advisor, leveraging Zip’s global BNPL platform, data insights, and marketing capabilities to drive measurable growth and innovation for enterprise merchants. You’ll lead cross-functional initiatives spanning marketing, product, data, and operations to deliver solutions that improve conversion, unlock incremental revenue, and deepen customer engagement. This role requires a balance of commercial acumen, analytical insight, and relationship mastery — someone who can operate as both a trusted partner to C-suite stakeholders and an internal champion for merchant success. You’ll Change the Game By: - Owning and expanding a portfolio of high-value enterprise partnerships, driving growth across GMV, profitability, transaction volume, and new user acquisition. - Developing strategic account plans for top merchants, grounded in data and market intelligence, with clear performance targets and co-marketing activations. - Partnering with client executives to shape omnichannel payment strategies, integrating Zip’s BNPL capabilities across online, in-store, and mobile channels. - Leading joint business reviews (QBRs) and presenting actionable insights — highlighting performance metrics, benchmarking trends, and strategic recommendations that influence executive decision-making. - Driving cross-sell and up-sell motions across the merchant’s organization by aligning Zip’s expanding suite of solutions (BNPL, Pin8, marketing placements, and consumer insights) with evolving merchant needs. - Acting as the voice of the customer internally — partnering with product, analytics, and marketing to identify feature opportunities, resolve friction points, and inform future innovation. - Collaborating with Zip’s global teams to scale best practices across markets, ensuring consistency in execution and delivery excellence. - Managing long-term commercial renewals and contract negotiations to secure favorable, mutually beneficial terms. - Leveraging AI-powered insights and predictive analytics to identify growth opportunities, forecast merchant performance, and personalize partnership strategies that drive measurable GMV and adoption outcomes. Qualifications - 12+ years of strategic account management experience, managing enterprise-scale partnerships, ideally within fintech, payments, or eCommerce. Of the 12 years, 7 focused in eCommerce. - Proficiency in Mandarin required to support and communicate effectively with a segment of our Merchant Partner base. - Proven ability to deliver revenue growth, increase share of wallet, and influence executive stakeholders in a matrixed, global environment. - Deep understanding of BNPL, digital payments, and retail tech ecosystems, with fluency in merchant operations, checkout optimization, and consumer financing. - Demonstrated success in building and executing commercial strategies across omnichannel partners, including cross-sell and upsell plays. - Exceptional analytical, presentation, and storytelling skills — capable of distilling data into narratives that drive strategic decisions. - Experience building and executing data-driven account plans and marketing activations. - Experience collaborating with Product, Data, Marketing, and Ops to inform roadmaps and remove friction — acting as the voice of the partner inside the business. - Comfortable navigating CRM tools (Salesforce), forecasting, pipeline discipline, and deal documentation at an executive level. - Hands-on experience with AI tools or platforms to inform decision-making, automate insights, or personalize client engagement strategies. - Experience working in a high-growth, matrixed environment — able to scale what works and evolve what doesn’t. - A collaborative, entrepreneurial mindset and alignment with Zip’s core values: Customer First, Own It, Stronger Together, Change the Game. - Up to 30 to 40 percent travel to support face-to-face client engagements and business meetings. Benefits - Flexible working culture. - Incentive programs. - Unlimited PTO. - Generous paid parental leave. - Leading family support policies. - Company-sponsored 401k match. - Learning and wellness subscription stipend. - Beautiful Union Square office with a casual dress code. - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available. - Zip is committed to a straightforward and transparent pay structure. - The annual base pay range for this position is $135k-$150k USD. - Eligible for a 30% commission of equal value to the base pay range, making on-target earnings (OTE) a range of $175,000-$195,000. - The total compensation package may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits.

Role Description We’re looking for a Senior Engineer in Test who sees quality as a core part of building great products, not just something that happens at the end. In this role, you’ll work closely with engineers, product, and platform teams to build reliable, scalable test systems across our web, mobile, and backend platforms. You’ll take ownership of quality end-to-end, helping ensure we ship quickly without sacrificing confidence. Interesting problems you’ll get to solve - End-to-End Quality Ownership - Own quality across one or more product areas, from early design through release. - Partner closely with engineers and product teams to catch issues early and improve how we build. - Identify gaps in coverage or process and proactively drive solutions. - Test Automation & Frameworks - Design, build, and maintain test frameworks across: - Web (TypeScript, Playwright, Appium) - Mobile (iOS/Android) - Backend APIs and services (BDD, Cucumber) - Improve reliability and reduce flakiness in automated tests. - Continuously refine testing approaches to keep up with product and platform changes. - Operational Excellence - Improve CI/CD pipelines to balance fast feedback with high confidence. - Define and track meaningful quality metrics that reflect real product health. - Help teams make better decisions by providing clear signals, not just more data. - Driving Better Engineering Practices - Champion quality as a shared responsibility across teams. - Lead discussions around test strategy and system design. - Mentor engineers and help raise the bar for how we think about quality. - Evolving How We Test - Explore and apply new approaches to testing, including automation and intelligent tooling. - Use data and patterns to prioritize testing efforts and improve efficiency. - Continuously look for ways to reduce manual effort and improve coverage. Qualifications - 8+ years of experience in quality engineering, test automation, or software engineering. - Strong experience with JavaScript/TypeScript in a testing or development environment. - Hands-on experience with frameworks like Playwright, Cypress, or WebdriverIO. - Experience testing APIs, distributed systems, and modern web applications. - Familiarity with CI/CD pipelines and integrating testing into release workflows. Requirements - You take ownership and follow things through to completion. - You’re proactive — you spot problems early and work to solve them. - You’re comfortable working in ambiguity and bringing structure where needed. - You focus on outcomes and impact, not just activity. - You care deeply about building high-quality products and improving how teams work. Nice to have - Experience with mobile automation and tools like BrowserStack. - Exposure to newer approaches in test automation and intelligent tooling. - Experience working closely with cross-functional teams in fast-paced environments. Benefits - Flexible working culture. - Incentive programs. - 20 days PTO every year. - Generous paid parental leave. - Leading family support policies. - 90%-100% employer covered insurance. - Beautiful Union Square office with a casual dress code. - Learning and wellness subscription stipend. - Company-sponsored 401k match.

Role Description Zip is looking for a Compliance & Risk Testing Manager to join our Compliance & Risk organization and help strengthen our second line oversight capabilities across our bank partner compliance programs and internal control environment. This role will play a critical part in assessing the effectiveness of controls, identifying gaps and emerging risks, and helping drive a strong culture of compliance and accountability across the business. - Lead and execute second line compliance and controls testing activities across key business processes and regulatory obligations. - Assess the design and operational effectiveness of controls tied to bank partner requirements, regulatory expectations, and internal policies. - Identify control gaps, compliance risks, and process weaknesses and provide actionable recommendations for remediation. - Partner cross-functionally with Compliance, Risk, Product, Operations, Legal, and business teams to validate corrective actions and strengthen controls. - Support the development and enhancement of risk-based testing methodologies, testing scripts, and reporting frameworks. - Analyze testing results, identify trends and root causes, and communicate findings clearly to stakeholders and leadership. - Monitor remediation activities and validate closure of identified issues and action plans. - Contribute to ongoing governance initiatives that improve risk visibility, operational discipline, and compliance maturity. - Leverage data, reporting tools, and emerging technologies including AI-enabled analysis tools to improve testing efficiency, monitoring, and issue identification. - Help foster a strong risk and compliance culture aligned with Zip’s values of Customer First, Own It, Stronger Together, and Change the Game. Qualifications - 5-7 years of experience in compliance testing, controls testing, internal audit, risk management, or second line oversight within fintech, banking, payments, lending, or other regulated financial services environments. - Strong understanding of compliance risk management frameworks, controls testing methodologies, and regulatory oversight practices. - Experience evaluating operational and compliance controls tied to bank partner oversight requirements. - Demonstrated ability to identify control weaknesses, assess root causes, and drive remediation accountability across stakeholders. - Experience working cross-functionally in fast-paced and evolving environments with multiple priorities and stakeholders. - Strong analytical and investigative skills with the ability to synthesize complex information into clear findings and recommendations. - Experience using data analysis, reporting, workflow, or GRC tools to support testing execution and issue management. - Familiarity with AI-enabled tools, automation capabilities, or data-driven testing approaches and the ability to apply technology thoughtfully within compliance and risk workflows. - Strong written communication skills with experience developing testing reports, issue summaries, and executive-ready documentation. - Bachelor’s degree in Business, Finance, Risk Management, Accounting, or a related field preferred. Benefits - Flexible working culture. - Incentive programs. - Unlimited PTO. - Generous paid parental leave. - Leading family support policies. - Company-sponsored 401k match. - Learning and wellness subscription stipend. - Beautiful Union Square office with a casual dress code. - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available.

Role Description We operate at the intersection of Sales, Product, and Engineering to deliver seamless, scalable integrations for small and medium businesses to enterprise merchants. Success in this team requires strong ownership, customer obsession, and the ability to move quickly while solving complex problems with clarity and precision. Zip is looking for a commercially sharp, technically credible Solutions Engineering Manager to lead our US merchant integration function and serve as the senior technical voice across our most strategic partnerships. This player-coach role owns the full technical lifecycle—from pre-sales solution design through integration delivery, and post-launch support—while leading and scaling a high-performing Solutions Engineering team. In this role, you'll lead and scale an agile scrum engineering team, owning: - Sprint planning - Backlog refinement - Delivery cadences You’ll partner closely with cross-functional teams and enterprise merchants to: - Translate complex business needs into scalable technical solutions - Accelerate revenue by removing integration friction - Deliver a best-in-class merchant experience This is a high-impact role in a fast-paced, high-growth environment, where you’ll: - Shape how we scale integrations - Influence product direction through merchant insights - Help keep Zip competitive with leading BNPL providers Interesting problems you’ll get to solve: - Design playbooks, standards, and escalation frameworks for scalable delivery - Architect team engagement across web, payment, and commerce technologies - Synthesize insights from merchant relationships to drive product decisions - Build and maintain expertise in payments, BNPL, and Zip's platform - Coach a team to present technically to C-level stakeholders - Transform integration friction into structured process improvements - Own the strategy and execution of Zip's developer portal - Set direction for AI tooling adoption across the Solutions Engineering function - Bridge Sales, Product, and Engineering to ensure deliverability Qualifications - 8+ years of experience in Solutions Engineering, Technical Account Management, Sales Engineering, or Integration Engineering - At least 3 years in a people management role leading client-facing technical teams in payments, BNPL, Fintech, or e-commerce environments - Demonstrated success building and scaling Solutions Engineering or merchant integration functions - Deep technical fluency across payments (Stripe, Adyen, Paypal, Square, Fiserv), APIs/SDKs, and e-commerce platform ecosystems - Proven track record of owning enterprise merchant or partner relationships at a senior level - Experience designing and operationalizing team-level delivery frameworks - Strong commercial instincts with the ability to connect technical delivery to revenue outcomes - Exceptional cross-functional leadership skills - Experience establishing or contributing to developer portal strategy and technical documentation standards - Hands-on experience adopting or scaling AI tools and automation - A high-adaptability leadership style with a bias for action Benefits - Flexible working culture - Incentive programs - Unlimited PTO - Generous paid parental leave - Leading family support policies - Company-sponsored 401k match - Learning and wellness subscription stipend - Beautiful Union Square office with a casual dress code - Industry-leading, employer-sponsored insurance for you and your dependents The annual base pay range for this position is $170,000 - $180,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy. Company Description Zip is a global ‘Buy Now, Pay Later’ company that gives our millions of customers simpler and fairer ways to pay. We are proud to be a global business built around our US and ANZ core markets working with merchant partners including Amazon, Best Buy, eBay, and Uber. United by our mission, purpose, and values - Customer First, Own It, Stronger Together & Change The Game - we are the next generation of payments, helping people across the globe to fearlessly take control of their financial future.

Role Description Strategic leader with experience in credit strategies for a non-prime consumer lending portfolio with experience in exposure management. People-first data leader who delivers insights that fuel effective credit strategy execution and collaboration with cross-functional teams. Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office. Working in our Risk Strategy team provides no shortage of opportunities to truly impact the way we operate. As a trusted strategic partner to every team across Zip, you will own all things around credit strategy for existing customers, helping drive increased customer engagement while minimizing losses. As a Director of Customer Management Risk Strategy, you will be responsible for leading a team that delivers strategies to manage exposure and engagement across Zip’s customer portfolio. You will partner closely with product managers and engineering teams to develop new capabilities and strategies, and perform holistic monitoring of strategies and performance to identify strategic opportunities. - Own credit line increases for existing customers to drive incremental transaction volume. - Own credit line decrease strategy to mitigate future losses. - Drive conversion of customers from our checkout channel to use the Zip app. - Manage and develop analysts to drive strategic changes. - Partner with Collections and Customer Experience team to monitor performance and cost. - Own strategies to drive activation from lower activity customers. Qualifications - 15+ years of experience in financial services developing and deploying credit strategies. - Experience analyzing data and using database query language (e.g. SQL) analysis and programming and developer tools such as Python, R, Databricks, Snowflake in a financial services setting. - Quantitative background in engineering, statistics, math, economics, business, or related disciplines. - Possesses strong communication, interpersonal and presentation skills; and ability to engage and collaborate with multiple stakeholders across teams. - Possesses analytical mindset and strong problem-solving skills. Attention to detail and ability to multitask. - Experience leading and developing analytical teams. - Comfortable working in a fast-paced environment and dealing with ambiguity. - Extremely proactive communicator willing to raise flags when needed and keep team members informed of ongoing risk related activities. - Experience with regulatory compliance, such as FCRA and Reg Z is a plus. - Our values in your DNA: Customer First, Own It, Stronger Together and Change the Game. Benefits - Flexible working culture. - Incentive programs. - Unlimited PTO every year. - Generous paid parental leave. - Leading family support policies. - 100% employer covered insurance. - Beautiful Union Square office with a casual dress code. - Learning and wellness subscription stipend. - Company-sponsored 401k match. Pay Range The Pay Range for this position: $192,000 - $278,000 USD based on the industry benchmark for position, function, level and Zip's compensation strategies. However, actual base salary will depend on varying circumstances and individualized factors, such as job-related knowledge, skills, experience, and other objective business considerations. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. Company Description Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centred products. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

Role Description Own the architecture and evolution of Zip’s real-time money movement and payments platform, powering millions of transactions. Lead cross-team technical direction across distributed systems while embedding AI into engineering workflows and product capabilities. Remote-first role for US-based engineers, with optional collaboration from our NYC office. We are seeking a highly experienced and technically strong Staff Engineer to lead complex, cross-domain initiatives across our platform. In this role, you will: - Set technical direction and drive execution on ambiguous, high-impact problems. - Shape the architecture of systems that are critical to our business. - Partner with engineering and product leaders and influence strategic decisions. - Mentor senior engineers while raising the bar for scalability, reliability, and engineering excellence across the organization. - Define and scale how AI is used across engineering, driving measurable improvements in developer productivity, system quality, and delivery speed. Interesting problems you’ll get to solve: - Design systems that ensure safe, reliable money movement at scale across distributed services. - Define and evolve platform patterns for event-driven architectures and cross-team system design. - Lead ambiguous, high-impact initiatives from concept to production across multiple teams. - Balance speed and long-term platform health in critical financial systems. - Define and standardize AI-assisted engineering patterns (e.g., code generation, testing, debugging, incident analysis) that can be adopted across teams. - Raise the bar for system reliability, performance, and developer experience across the organization. - Build systems that ensure financial correctness under failure conditions, including retries, duplication, and reconciliation scenarios. - Drive adoption of AI across teams by coaching engineers, establishing best practices, and ensuring responsible and effective usage. - Identify and deliver AI-driven efficiencies, reducing development cycle time, improving code quality, and accelerating incident resolution. - Partner with platform and tooling teams to integrate AI capabilities into the developer ecosystem (CI/CD, observability, IDEs, internal tools). Qualifications - 12+ years of experience building and operating distributed backend systems in modern engineering environments. - Strong experience in payments, fintech, or other correctness-critical systems such as settlement, reconciliation, or transaction processing. - Proven track record of leveraging AI to improve engineering outcomes, including personal productivity and enabling team-wide adoption at scale. - Experience leading complex, cross-team initiatives and driving technical direction across multiple systems. - Deep expertise in system design, including event-driven architectures, microservices, and high-availability systems. - Hands-on engineering mindset, staying close to implementation and able to dive into code, services, and infrastructure when needed. - Strong decision-making ability, evaluating tradeoffs and making clear technical calls in ambiguous situations. - Experience mentoring senior engineers and raising engineering standards across teams. - Experience working with cloud platforms such as Azure or AWS, and backend technologies like C#/.NET or similar. - Experience evaluating and selecting AI tools, models, and workflows with an understanding of tradeoffs (cost, latency, accuracy, safety). - Ability to define metrics and measure the impact of AI adoption (e.g., developer velocity, code quality, cycle time, incident reduction). Requirements - Experience building and scaling systems in fintech or other highly regulated environments, such as payments, lending, banking, settlement, reconciliation, fraud, risk, or transaction processing. - Experience working in AI-forward, high-scale engineering environments where teams are building at the edge of modern cloud, distributed systems, developer productivity, or applied AI. - Hands-on experience building production-grade AI capabilities beyond prompt engineering, such as AI agents, agent orchestration frameworks, retrieval-augmented generation, model evaluation pipelines, workflow automation, or AI-powered internal platforms. - Experience architecting agentic AI systems that safely interact with internal tools, APIs, business workflows, and human-in-the-loop approval processes. - Experience defining responsible AI governance patterns, including data access controls, model/tool selection standards, evaluation frameworks, observability, cost management, auditability, and risk controls. - Experience partnering with business, product, risk, compliance, security, legal, or operations leaders to translate ambiguous strategic problems into scalable technical solutions. - Experience building AI-enabled engineering platforms that improve developer velocity, code quality, testing, debugging, incident response, observability, or release confidence. - Familiarity with modern AI/ML infrastructure, including model serving, fine-tuning, embeddings, vector search, distributed training, inference optimization, model evaluation, or experimentation platforms. - Experience with cloud-based AI/ML services and frameworks such as AWS Bedrock, SageMaker, Azure AI, OpenAI, Anthropic, Databricks, LangChain, LlamaIndex, or similar technologies. - Demonstrated ability to operate as a hands-on technical leader who can set strategy across teams, prototype emerging technologies, and raise the bar for engineering excellence. Benefits - Flexible working culture - Incentive programs - Unlimited PTO - Generous paid parental leave - Leading family support policies - Company-sponsored 401k match - Learning and wellness subscription stipend - Beautiful Union Square office with a casual dress code - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

- We’re on a mission to make payments safer and simpler—empowering customers to transact with confidence while staying ahead of fraud. We move quickly, take ownership, and use data to solve complex problems at scale. - This role requires hands-on expertise in fraud investigations, dispute operations, and transaction monitoring. You’ll use data to identify risks, make decisions, and improve processes in a fast-paced environment. - Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office Start your adventure with Zip As a Manager, Fraud & Dispute Operations, you will lead and scale fraud and dispute operations, ensuring we protect our customers while delivering a seamless experience. You’ll use data and insights to drive decision-making, improve operational efficiency, and evolve processes to stay ahead of emerging fraud risks in a fast-paced environment. You’ll be part of a team focused on delivering seamless, high-quality support experiences that build trust and loyalty at every touchpoint. Working closely with Fraud Strategy, Compliance, Risk, and Customer Experience teams, you’ll help shape how we serve customers—driving fast, efficient, and customer-centric solutions while continuously improving our operations. Interesting problems you’ll get to solve - Lead a high-performing Fraud and Disputes Operations team, delivering impactful outcomes that protect customers and the business - Own the end-to-end fraud and dispute operations function, shaping how we scale efficiently while maintaining strong risk controls - Build and evolve operational processes that reduce friction, improve speed, and leverage automation to create best-in-class experiences - Drive fraud prevention strategies by uncovering insights from transaction data, customer behavior, and emerging fraud trends - Oversee complex, high-risk escalations including merchant due diligence, transaction monitoring alerts, and regulatory reporting decisions - Partner cross-functionally with teams across Fraud Strategy, Compliance, Risk, and Customer Experience to deliver seamless, customer-first solutions - Champion improvements to the customer journey by identifying key pain points in fraud and dispute interactions and implementing meaningful change - Develop and inspire a team of investigators through coaching, mentorship, and a strong focus on growth and performance - Identify opportunities to innovate and streamline operations, helping us stay ahead of evolving fraud risks while scaling sustainably - Influence strategic decision-making by delivering clear insights and recommendations based on fraud trends and operational performance What you’ll bring to the team - 5+ years of experience in fraud investigations, dispute operations, or risk management within fintech, BNPL, banking, or payments environments - 2+ years of people leadership experience, managing investigators or operations teams in a high-volume, SLA-driven environment - Proven experience overseeing fraud and dispute operations, including case management, escalations, and end-to-end resolution workflows - Hands-on expertise with transaction monitoring systems, fraud detection tools, and case management platforms (e.g., alerts review, investigation tooling) - Experience reviewing high-risk activity, including merchant due diligence, escalation handling, and decisioning on suspicious transactions and SAR submissions - Strong analytical capability, with experience interpreting transaction data, identifying fraud patterns, and translating insights into operational improvements - Demonstrated ability to drive operational excellence, including improving workflows, reducing manual effort, and scaling processes through automation or tooling enhancements - Working knowledge of regulatory requirements related to fraud, KYC/KYB, PCI-DSS, and financial crime reporting obligations - Bring a strong focus on leveraging AI and automation to scale Fraud Operations, including identifying opportunities to reduce manual workload, enhance decisioning through data-driven models, and pilot agentic/AI-enabled workflows to improve efficiency, accuracy, and loss control. - Experience partnering cross-functionally with teams such as Fraud Strategy, Compliance, Risk, and Customer Experience to deliver process and policy improvements - Bachelor’s degree in Finance, Business, Criminal Justice, or a related field (or equivalent practical experience) - Clear alignment with Zip’s core values What you’ll get in return Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back. We think these are just some of the best things about being a Zipster. We will also offer you: - Flexible working culture - Incentive programs - Unlimited PTO - Generous paid parental leave - Leading family support policies - Company-sponsored 401k match - Learning and wellness subscription stipend - Beautiful Union Square office with a casual dress code - Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base Pay Range for this position is $91,000- $114,000. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits. *Please note that visa sponsorship is not available for this position. If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors. Be a part of a team that reflects the diversity of our customers We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience. And finally…get to know us Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do. I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote Before you apply, give Zip a try -> rebrand.ly/check-zip-out