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

• Technically assess property risk from fire, natural hazards, and related perils, providing expert guidance and leadership on complex client accounts. • Collaborate with client brokerage teams to drive beneficial outcomes and support business development efforts to grow the practice. • Produce technically sound reports, plan review letters, and consultative client guidance that meet rigorous quality assurance standards. • Manage project work plans, budgets, and resources while adhering to company policies and continuous risk improvement methodologies. • Maintain client confidentiality and build positive, long-term client relationships through effective communication and problem-solving.

Airbnb was born in 2007 when two hosts welcomed three guests to their San Francisco home, and has since grown to over 5 million hosts who have welcomed over 2 billion guest arrivals in almost every country across the globe. Every day, hosts offer unique stays and experiences that make it possible for guests to connect with communities in a more authentic way. The Community You Will Join: Payment Risk Operations is at the heart of what makes Airbnb a place where anyone can belong anywhere. We're the guardians of trust in our global marketplace, working tirelessly to create safe and authentic experiences for millions of hosts and guests worldwide. Our mission is simple yet powerful: protect our community while preserving the magic of travel. We're passionate about user satisfaction and dedicated to crafting thoughtful policies, intelligent rules, and innovative systems that elevate the quality of every interaction on our platform. The Difference You Will Make: As a Senior Risk Functional Specialist, you will be responsible for overseeing the operational procedures and escalations related to stored value payment products (e.g. gift cards) and the review of performance metrics for business and vendor feedback. You will work closely with operational stakeholders and cross-functional partners to enact change to improve our products and processes. You will consistently demonstrate excellent decision-making skills as you solve a wide range of complex problems. You will be expected to understand and apply Airbnb core values in all of your work. Your impact will span: - Transaction security across all Airbnb products and services - Risk policy support to build trust in our platform - User verification and onboarding experiences that balance security with seamless user journeys - Fraud detection systems that evolve as quickly as the threats they combat - Operational excellence that keeps our community safe while maintaining the hospitality that defines Airbnb A Typical Day: - Protect our community by reviewing and making exceptional decisions for platform exemptions to maintain trust and safety across Airbnb - Own incident resolution of risky pay-in procedures from escalation to closure, ensuring swift and thorough case management that protects our hosts and guests - Navigate complex operational issues by partnering with Legal, Public Affairs, and other teams to respond to regulatory inquiries related to fraud and criminal activities - Tell the story through data by drafting business requirements and concept briefs that highlight key operational needs for platform development Your Expertise: - Minimum of 3+ years professional experience in fraud, abuse, or cybercrime investigations - Minimum of 1+ years professional experience related to stored value risk (e.g. gift cards, coupons, credits, incentives) - Detail-oriented, highly analytical, and strong project management skills - Ability to understand opposing points of view on highly complex issues - Strong ability to gather information from various internal sources - Capacity to draw actionable insights from dashboards and reports - Risk policy creation and/or administration experience - Basic SQL - Experience with data visualization and business intelligence tools (e.g. Tableau, Superset) - CFE or equivalent certifications Your Location: This position is US - Remote Eligible. The role may include occasional work at an Airbnb office or attendance at offsites, as agreed to with your manager. While the position is Remote Eligible, you must live in a state where Airbnb, Inc. has a registered entity. Click here for the up-to-date list of excluded states. This list is continuously evolving, so please check back with us if the state you live in is on the exclusion list If your position is employed by another Airbnb entity, your recruiter will inform you what states you are eligible to work from. Our Commitment To Inclusion & Belonging: Airbnb is committed to working with the broadest talent pool possible. We believe diverse ideas foster innovation and engagement, and allow us to attract creatively-led people, and to develop the best products, services and solutions. All qualified individuals are encouraged to apply. We strive to also provide a disability inclusive application and interview process. If you are a candidate with a disability and require reasonable accommodation in order to submit an application, please contact us at: reasonableaccommodations@airbnb.com. Please include your full name, the role you’re applying for and the accommodation necessary to assist you with the recruiting process. We ask that you only reach out to us if you are a candidate whose disability prevents you from being able to complete our online application. How We'll Take Care of You: Our job titles may span more than one career level. The actual base pay is dependent upon many factors, such as: training, transferable skills, work experience, business needs and market demands. The base pay range is subject to change and may be modified in the future. This role may also be eligible for bonus, equity, benefits, and Employee Travel Credits. Pay Range $82,000—$96,000 USD

• Work directly with the lines of business (LOBs) to identify and assess risks, review and challenge risk assessments, provide input over controls and testing, advise on and monitor remediation activities and create reporting, ensuring line of business alignment within the Operational Risk program and framework. • Responsible for primary execution of Operational Risk oversight and help guide and influence implementation of operational policies and/or procedures to mitigate risk within appetite. • Responsible for assisting with the ongoing development and implementation of the Major Line of Business (LOB) Operational Risk teams strategic plan to accomplish its Annual Operational Risk objectives, to include among others: the development and implementation of Operational risk policies and procedures; assessment, monitoring and testing; establishment of line of business accountability and escalation and reporting processes. • Responsible for ongoing development and implementation of operational risk management topics, including such things as being the subject matter expert on operational risk activities associated with risks, controls, testing, remediation and reporting. • Actively participate in broad risk management oversight of assigned LOB. Provide direction and deliver training to line of business personnel, Risk Management staff and others on Operational Risk best practices and other relevant industry best practices. • Monitor and assess new or amended legal and regulatory requirements as they relate to the Consumer Bank. • Responsible for review and challenge of LOB policies and procedures to ensure that they are consistent with current applicable rules, regulations, laws and are effective in mitigating related risks. • Work with the LOB to ensure the ongoing development and enhancement of risk assessments, testing, monitoring and associated plans. • Provide authoritative and consultative advice and support to management utilizing independence yet providing pro-business solutions. • Analyze and provide feedback around risks associated with the offering of new and/or enhanced products, services, processes, business initiatives and outsourced third party activities. • Responsible for proactively anticipating and responding to changes in regulations, rules and/or laws; assessing the impact of any change to the business areas and assisting them in responding to such changes. • Accountable for ensuring that line of business policies and procedures are consistent with current applicable banking and securities rules, regulations, and laws. • Respond to internal and external audits, exams and requests for information and provide review & challenge of any line of business responses to internal and external audits. Assist in the evaluation of audit and examination findings and implementation of corrective action and needed responses. • Assist in the response to ongoing regulatory and legal inquiries and investigations. • Develop and maintain positive working relationships with internal clients, staff, peers, other risk partners, and LOB senior management. • Maintain relationships with industry peers and regulatory bodies. • Escalates promptly to appropriate senior management or appropriate risk committee any material breaches of applicable laws, rules, policies or standards with actual or potential operational risk impact, and necessary correction action. • Acts as Operational Risk Subject Matter Expert on any assigned Subcommittees and/or Working Groups. • Provide leadership and/or support on special projects, as assigned. • Proactively works with assigned business unit management to identify and assess the operational risks associated with business activities, ensuring alignment with the Corporate Operational Risk Framework, including: • Advising LOBs on operational risks and controls and key risk indicators. • Advising LOBs on operational risks related to new products and/or services and business initiatives. • Advising LOBs on operational risks related to outsourced third party activities. • Providing reporting to executives LOB partners on a periodic basis. • Conducts review and challenge activities and escalation, including independent testing as required. • Manage 2nd LOD requirements related to the Governance, Risk & Compliance application and Risk Assessment Processes. • Other duties as assigned.