• Review high priority or complex tasks, such as enhanced due diligence (EDD), conducting open source investigations where required. • Answer escalations from Investigators and other colleagues from across the business, and escalate further to Ops Analysts if required. • Coach colleagues on FinCrime Screening tasks including supporting global partners. • Use own experience to improve the knowledge, skills, behaviours or performance of others. • Drive team morale by being positive and enthusiastic, helping to motivate others.

Role Description This is an operator and leader role. You’ll set strategy, run day-to-day risk and fraud operations, and build the systems and processes that scale with our portfolio. You’ll work cross-functionally with Sales, Finance, Engineering, and Customer Experience to protect Quilt and our merchants — without becoming a speed bump in the sales motion. What You'll Own - Lead merchant underwriting operations end-to-end — credit review, risk decisioning, exposure monitoring, and policy management. - Manage fraud detection and prevention across the merchant portfolio, including chargeback management, dispute resolution, and loss mitigation. - Maintain credit exposure within defined thresholds while optimizing merchant approval rates and minimizing unnecessary friction. - Build and refine risk scoring models, underwriting frameworks, and fraud rule logic; champion automation wherever it reduces manual review without compromising controls. - Develop and track KPIs across underwriting decisioning quality, fraud losses, chargeback rates, and portfolio health. - Partner with Sales and Account Management to support merchant onboarding, escalations, and exception handling — acting as a collaborative resource, not a gatekeeper. - Lead, develop, and grow a team of risk analysts and fraud operations specialists. - Manage relationships with processors, card networks, and third-party risk vendors. - Stay ahead of evolving fraud vectors, card network rules, and regulatory requirements relevant to PayFac operations. Qualifications - 8–10+ years in payments risk, fraud, or underwriting — ideally in a PayFac, ISO, or acquiring environment. - Strong analytical and data skills; comfortable building models, querying data, and driving decisions from numbers. - Proven track record balancing risk discipline with business velocity in a high-growth setting. - Hands-on operator instincts — you don’t just design processes, you run them. - Experience building and deploying risk automation tools and fraud ML models. - Track record building and leading high-performing risk operations teams. - Deep familiarity with chargeback management, dispute workflows, and card network rules (Visa, Mastercard). - Strong written and verbal communication; able to translate risk concepts for non-technical stakeholders. Nice to Have - Direct PayFac experience — familiarity with sponsor bank relationships, sub-merchant liability, and PayFac-specific regulatory obligations. - Experience with Stripe or Adyen as processing platforms. - Background in specialty retail verticals (dive, pet, outdoor, liquor, etc.). Benefits - Opportunity to build software that powers real-world commerce at scale. - Competitive salary and equity package. - Comprehensive benefits (health, dental, vision, 401k, etc.). - Strong emphasis on engineering quality and career growth.

Role Description Direct the company's economic strategy and overall profitability, leading margin analysis, sales forecasting, and optimization of financial operations between Colombia and the United States. Their role is to transform accounting execution into business intelligence to support decision-making at the President's level. Responsibilities - Financial Planning and Forecasting - Budgeting and Control: Lead the preparation of the annual budget and analyze deviations monthly, proposing tactical adjustments. - Forecasting and Projections: Execute the monthly financial forecast, integrating sales and operations planning (S&OP). - Cash Flow: Manage cash flow projections to ensure the operating liquidity of all business units. - Profitability and Channel Analysis (E-commerce & Retail) - Channel Monitoring: Analyze the specific profitability of Shopify, Amazon, and Distributors. - Margins and ROI: Evaluate the gross margin by channel, the impact of discounts, and the Return on Investment (ROI) in expansion projects or new launches. - Sales Support: Provide pricing analysis and financial visibility to strengthen commercial negotiations and decision-making. - Cost analysis of new projects. - Administrative Control and International Regulations - Accounting Cycle: Oversee the timely delivery of financial statements under IFRS (Colombia) and US GAAP (USA). - Tax Management: Ensure compliance with regulations before the DIAN (Colombian Tax Authority) and the IRS (Internal Revenue Service). - Expense Efficiency: Control OPEX (operating expenses) and monitor accounts receivable recovery to optimize collection days. - Business Intelligence - Dashboards: Build and maintain dashboards in Power BI. - Key Indicators: Report sales vs. target and profitability indicators by client/product. - Leadership and Team Management - Strategic Direction: Oversee accounting coordination, ensuring the alignment of operations with overall financial objectives. - Control and Validation: Approve monthly closings and team reports (Analyst, Assistant, SENA [National Learning Service]), guaranteeing data integrity. - Technical Mentoring: Act as an escalation point for resolving questions regarding US GAAP/IFRS regulations and complex processes. - Performance Management: Define operational KPIs for the accounting team and conduct regular, results-oriented monitoring. - Operational Optimization: Standardize workflows to improve efficiency in treasury, accounts receivable, and timely completion. Qualifications - Academic Requirements - Professional: Public Accounting, Finance, Business Administration, or Economics. - Postgraduate: Desirable specialization in International Finance, IFRS, Tax Management, or Cost Accounting. - Required Experience - General Experience: Minimum 7 years in finance, accounting, or auditing. - International Operations: Minimum 2 years managing financial operations abroad, with a direct emphasis on the United States market (tax obligations, banking relationships, and reporting). - Consolidation and Regulatory Compliance: Demonstrable experience in the preparation and consolidation of Financial Statements under IFRS and US GAAP standards. - Cost Structure: Experience in cost design and control for consumer packaged goods (CPG) or food companies, including international logistics and imports. - Commercial Analysis: Experience in managing and analyzing margins, channels, and prices, as well as determining profitability by customer and product. - Planning: Proven track record in executing forecasting and financial planning processes (monthly sales and operations). - Essential Technical Skills - Knowledge of US GAAP and Colombian IFRS accounting principles. - Understanding of obligations to the IRS and DIAN. - Power BI (dashboard creation). - Advanced Excel. - ERP management. - IA tools. - Strategic vision and analytical/critical thinking. - Assertive communication for direct reports to the President. - Leadership and management of remote/indirect teams. - Languages - English and Spanish B2+/C1 (Ability to attend technical meetings and prepare reports in the US). Benefits - Birthday off. - Permanent contract. - 100% remote work. - We provide the equipment. - Essential health insurance. - Funeral allowance. - Connectivity allowance. - Access to the Support Team: our internal wellness program. - Ricky Joy Academy: internal professional development. - Discount package with corporate partnerships (gym, online courses, hotels, etc.). - Opportunities for advancement within the company.

• Review, analyse, and summarise AML, KYC, and investor onboarding documentation for institutional and corporate entities. • Conduct detailed due diligence reviews across legal entities, ownership structures, beneficial ownership, source of wealth, and supporting compliance documentation. • Review corporate documentation, including articles of incorporation, constitutional documents, corporate registers, shareholder structures, and authorised signatory documentation. • Escalate inconsistencies, missing documentation, and potential compliance risks to senior legal professionals. • Draft and review ancillary legal documentation, including Non-Disclosure Agreements (NDAs), reliance letters, engagement letters, and supporting legal correspondence. • Support legal teams on financing and transactional matters through document review, issue spotting, and legal summarisation. • Conduct legal and regulatory research to support client deliverables. • Liaise with internal legal teams and global operational stakeholders to support seamless legal delivery. • Communicate professionally with client teams regarding documentation requests, missing information, and onboarding progress where required. • Maintain accurate documentation and progress tracking across active workstreams. • Work closely with Scissero’s AI-enabled legal tools to improve document review efficiency and accuracy. • Maintain meticulous records to support workflow continuity and low-risk legal operations. • Contribute ideas for improving legal delivery processes, documentation quality, and operational efficiency.