• Lead strategic analytics by applying advanced techniques (predictive modeling, segmentation, drivers’ analysis) to identify trends, risks, and affordability opportunities across national programs. • Tell the story behind the data, translating analytical findings into clear, executive-ready insights that influence decisions across technical, operational, and senior leadership audiences. • Own financial business cases for new affordability initiatives, including forecasts, variance analysis, and recommendations to improve performance. • Support national ancillary contracts by overseeing analytics for proposals, financial reconciliations, settlements, and ongoing performance monitoring. • Improve reporting and visualization by assessing current capabilities and advancing self-service analytics solutions (e.g., Databricks, Tableau, or similar tools). • Modernize analytics through scalable methods, automation, and thoughtful use of AI-enabled tools where they add value. • Manage and develop a team of analysts, setting clear priorities, ensuring high-quality output, and supporting continuous skill development. • Balance multiple initiatives by prioritizing and delegating work effectively in a fast-paced, dynamic environment. • Ensure data quality and accuracy by implementing appropriate checks, controls, and processes. • Act as a trusted thought partner to senior leaders by proactively identifying insights, risks, and emerging trends that inform near- and long-term affordability strategy.

• Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions • Evaluate merchants, from successful venture-backed startups to well established institutions by assessing suitability to process on Stripe • Adhere closely to process while still constantly questioning assumptions, suggesting improvements, and following up implementation of those improvements • Effectively and clearly communicate, including with other Stripes, Stripe's users, and Stripe's financial partners • Identify trends and further report these to cross functional teams to enhance detection systems • Contribute to projects to enhance and optimize due diligence strategy systems and tools • Help build and scale processes across the risk operations eco-system • Identify gaps in current systems, policies and strategies, and recommends enhancements and process improvements to mitigate emerging risks through a collaborative approach with stakeholders.

• Identify and prioritize keep GTM challenges around customer attributes and data to target prospect customers • Partner with Data Engineering and GTM Systems to solve, prioritize and program manage key data initiatives around data processes, systems and architecture • Support planning timeline on data quality as a precursor to territories and targets • Manage data scrubs through scaled vendors, when required • Communicate and elevate data excellence roadmap to leadership teams. Provide regular reports and presentations to sales leadership and other stakeholders, communicating the analysis of sales data and recommending actions to drive sales growth • Conduct regular data audits to ensure accuracy and completeness of sales data, and identify and rectify any discrepancies or inconsistencies • Identify and prioritize policy gaps to improve data • Change management based on insights and Key Performance Indicators • Oversee enablement of Regional operations and Sales teams to ensure data is used and collected in the desired manner

Company Description Are you ready to trade your job for a journey? Become a FlyMate! Passion, excitement & global collaboration are all core to what it means to be a FlyMate. At Flywire, we’re on a mission to deliver the world’s most important and complex payments. We use our Flywire Advantage - the combination of our next-gen payments platform, proprietary payment network and vertical specific software, to help our clients get paid, and help their customers pay with ease - no matter where they are in the world. What more do we need to truly be unstoppable? Perhaps, that is you! Who we are: Flywire is a global payments enablement and software company, founded more than a decade ago to solve high-stakes, high-value payments in higher education. We’ve since scaled into new regions and industry verticals and expanded our product offerings to deliver meaningful value to our clients around the world. Today we support more than 4,800 clients across the global education, healthcare, travel & B2B industries, with diverse payment methods across 240 countries & territories and more than 140 currencies. With over 1,200 global FlyMates, representing more than 40 nationalities, and in 12 offices world-wide, we’re looking for FlyMates to join the next stage of our journey as we continue to grow. Job Description The Opportunity: As the Director of Product, Risk & Fraud, Payments Platform, you are the product leader for Flywire’s defensive ecosystem. You serve as the strategic product counterpart to our Business Risk Directors. While they define the "what" (risk policies and appetites), you build the "how", leveraging machine learning, real-time data pipelines, and third-party integrations to automate fraud detection and credit monitoring. Your goal is to eliminate "manual touch" wherever possible, creating a frictionless payer experience that is simultaneously ironclad against sophisticated global threats. What You’ll Do - Platform Vision: Define and execute the roadmap for a unified Risk & Fraud engine that supports all of Flywire’s payment modalities across our global merchant base. - Automated Underwriting & Scoring: Partner with the Director of Credit Risk to translate manual due diligence into automated credit-scoring models. Build the tools that allow for real-time account monitoring and "Early Warning Systems." - Intelligent Fraud Decisioning: Partner with the Director of Fraud Risk to build real-time rule engines and ML-driven decisioning. You will own the integration of biometric, behavioral, and 3DS tools into the checkout flow. - Internal Tooling: Build the "War Room" dashboard. Design the internal interfaces that our Risk Operations teams use to investigate alerts, manage cases, and orchestrate rapid remediation during high-stakes fraud events. - Data Architecture: Collaborate with Engineering and Data Science to ensure our risk models have access to the richest, cleanest global payment data possible. You will own the "Precision/Recall" product metrics for our automated systems. - Scalable Compliance: Work with localized payment methods to ensure our risk controls meet regional regulatory requirements without adding unnecessary friction. Qualifications Here's what we're looking for: - The Product Visionary: 10+ years of Product Management experience, with at least 5 years specifically focused on Risk, Fraud, or Identity in a Fintech/Payments environment. - The Platform Orchestrator: You understand the "plumbing" of a payment platform. You can translate complex business requirements into product execution regarding API latency, webhook reliability, and feature engineering for ML models. - Strategic Counterpart: You know how to bridge the gap between Business Risk (Underwriting, Collections, Fraud Analysis) and scalable product requirements. - Experience-First Mindset: You believe that security should be invisible. You are obsessed with reducing "false positives" that block legitimate students or travelers. - Data Native: You don't just look at reports; you query the data. You are comfortable using SQL or Python to validate your product hypotheses. - Calm Under Pressure: In the event of a sophisticated attack, you are the product lead who understands how to tweak platform rules instantly to stop the bleed. Additional Information What We Offer: - Competitive compensation - Employee Stock Purchase Plan (ESPP) - Flying Start - Our immersive Global Induction Program (Meet our Execs & Global Teams) - Work with brilliant people that will keep you on your toes, learn more about their journeys by checking out #InsideFlywire on social media - Dynamic & Global Team (we have been collaborating virtually for years!) - Wellbeing Programs (Mental Health, Wellness, Yoga/Pilates/HIIT Classes) with Global FlyMates - Competitive time off including FlyBetter Days to volunteer in your community and Digital Disconnect Days! - Great Talent & Development Programs (Managers Taking Flight – for new or aspiring managers!) Submit today and get started! We are excited to get to know you! Throughout our process you can expect to meet different FlyMates including the Hiring Manager and other Flymates. Your Talent Acquisition Partner will walk you through the steps and be your “go-to” person for questions. Flywire is an equal opportunity employer. With over 40 nationalities across 12 different offices, and diversity and inclusion at the core of our people agenda, we believe our FlyMates are our greatest asset, and we’re excited to watch our unique culture evolve with each new hire. The US base salary range for this full-time position is $190,000 - $250,000 plus bonus and benefits. Our salary ranges are determined by role, position level, and location. The range displayed on this job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and several other factors, including job-related skills, experience, relevant education and training. #LI-Remote