Role Description Control Risks’ Embedded Consulting team is hiring a Risk Investigations Specialist to join our team supporting a major tech client. This role will work with their Offline Risk’s team to help monitor and mitigate offline risks to the company as well as their user base. You will be tasked with mitigating risks associated with organized crime, human trafficking, and other offline crimes. This position is remote but requires the candidate to be on the West Coast or working West Coast Hours. - Maintain a comprehensive understanding of offline risk factors such as human trafficking, organized crime, and other concerns within the client's operational landscape. - Use internal data, OSINT, and third-party intelligence to search for undiscovered instances of abuse and offline risk. - Pull actionable insights from large datasets to develop new strategies for mitigating/stopping criminal activities. - Communicate findings to management and product teams to enhance decision-making processes. - Collaborate closely with trust product and engineering teams to implement strategies and products to better mitigate emerging safety risks. - Lead and support intricate investigations involving large datasets and multiple stakeholders. - Engage in project ideation and definition, working on collaborative initiatives with global partners to address offline risk concerns. - Develop investigative frameworks and methodologies that can be integrated into existing trust practices. - Contribute to the development of new enforcement policies aimed at mitigating emerging threats. - Continuously monitor known risk trends, both during onboarding and post-onboarding phases, and propose enhancements to minimize safety risks. - Contribute to the refinement of automated monitoring and alert systems to detect abnormalities in customer behavior and improve risk-rule efficiency. Qualifications - Minimum 5 years of investigative experience, preferably working for a major technology or travel company. - Subject matter expertise of organized crime e.g. human trafficking, drug trafficking a plus. - Experience in monitoring and mitigating offline safety risks a plus. - Ability to conduct deep dive, specialist investigations and interrogate both technical and behavioral signals. - Intermediate SQL level; clear understanding of SQL, possesses the ability to edit and write simple to semi-complex queries. - Experience with data analysis tools and techniques, utilizing data insights to inform risk management decisions. - Previous experience in trust & safety, fraud detection, or risk management within a user-centric platform. - Understanding of criminal applications of technology preferred. - Experience in crafting and delivering comprehensive intelligence reports on geopolitical, cyber, and violent actor behaviors and their impact on product exposure. - Track record of analyzing and mitigating high-impact threats and threat actors. - Proven ability to apply analytical and statistical methods to address real-world challenges using extensive data. - Experience managing projects with organization-wide implications and collaborating with cross-functional stakeholders across multiple locations and time zones. - Excellent communication and presentation skills, including the ability to convey complex data and insights to diverse audiences effectively. - Strong team player, able to work closely with your team and help the program thrive beyond just your own personal work. Requirements - For US hiring: needs to be PST or MST, and willing to work until 5:30 PM PST. - Occasionally required to work holidays, weekends, or evenings during high-profile or emergency events. - Early morning or late evening calls may be required to sync across global team. Benefits - Medical Benefits - Prescription Benefits - FSA - Dental Benefits - Vision Benefits - Life and AD&D - Voluntary Life and AD&D - Disability Benefits - Voluntary Benefits - 401 (K) Retirement - Nationwide Pet Insurance - Employee Assistance Program

• Develops agendas, maintains the agenda backlog, drafts meeting minutes, tracks action item, and prepares other technical documentation • Maintains Charters, Policies, Processes, Procedures, and Templates • Facilitates Out-of-Cycle votes and coordination of budget reviews • Supports business units in defining, compiling, and submitting IT budget requests • Attends IRB meetings and tracks approved, denied, and on hold IT spend-items • Reviews MS Excel reports from budgeting groups and compares multiple iterations of Spend Plan reports • Maintains KPI reports

Who We AreScratch Financial (“Scratch”) is a late stage venture-backed financial technology business based in Pasadena, California. At Scratch, everything starts and ends with our mission: being the payment partner of choice for veterinary practices and helping pet parents access the care their animals need without financial barriers. Driven by our award-winning technology, Scratch has become the fastest growing financing provider in veterinary care, with a partner network of 15,000+ practices across the U.S. and Canada. Scratch has 2 main products: - Scratch Pay: Point-of-sale client facing lending, including a BNPL offering and longer-term payment plans - Scratch Checkout: Payment processing that is integrated with the veterinary practice management software We are a company built on the foundation of transforming the way pet healthcare payments are done, and we are looking for innovators who share our commitment to shaping the future of veterinary care financing. If putting compassion first, helping tell the story of groundbreaking products and continuously learning & refining to achieve exceptional outcomes sounds like you, then we encourage you to apply. Position OverviewAs VP of Credit Risk, you'll own the credit strategy behind every lending decision at Scratch Pay. You'll lead our scoring models and the policy layer that sits alongside them, manage portfolio performance, and responsibly expand who we can say yes to, especially across near-prime and subprime segments, using alternative data and modern underwriting techniques. You'll operate hands-on in the models and data while building and leading the team that scales the function. We're looking for this role to serve as the general manager of Scratch Pay’s profitability. This is a high-ownership, cross-functional role: you'll set and execute the strategy for underwriting, collections, and loan performance. You'll report directly to the President and work closely with our SVP of Product to shape the borrower experience across our lending application and iOS/Android apps. If you're energized by owning a P&L, thrive at the intersection of data and strategy, and want to build something that matters — this role was designed for you. What You'll OwnLending P&L & Credit Strategy - Serve as the GM for lending profitability: own the credit loss rate, approval rate, checkout conversion, unit economics, and yield across our loan portfolio - Design and optimize the hard-cut / policy layer that sits alongside the score — knockout rules, eligibility criteria, and approval thresholds — using swap-set and champion/challenger analysis to tune the approve/decline boundary against approval-rate and loss targets. - Define and continuously improve our underwriting criteria — credit policy, model inputs, decisioning logic — to optimize risk-adjusted returns - Lead collections strategy, including segmentation, treatment paths, agency relationships, and recovery optimization - Responsibly expand the approvable population into near-prime (and potentially subprime) by integrating and operationalizing alternative data: cash-flow / bank-transaction data, alternative bureau attributes, income and employment verification, and other non-traditional signals. - Own portfolio performance management: loss forecasting, vintage and roll-rate analysis, early-warning indicators, and inputs to loss reserves. - Monitor portfolio performance and drive rapid iteration when trends shift Product Partnership - Partner closely with the SVP of Product to define improvements to our lending application and borrower-facing iOS and Android apps - Bring a data-driven and risk-aware lens to product decisions: approval flows, offer presentation, repayment UX, and borrower communications - Ensure compliance and regulatory considerations are built in from the start, not bolted on - Build a rigorous test-and-learn engine (champion/challenger, controlled holdouts, A/B) so credit policy decisions are driven by evidence rather than intuition. Team Leadership - Lead and develop a lean but high-performing credit risk team, with expected growth as the business continues to scale - Develop your team's craft and careers while maintaining high standards for output quality - Champion a culture of rigor and intellectual honesty (getting it right vs. being right) in how the company uses data AI & Operational Efficiency - Identify and implement AI-powered tools and workflows to make the Credit Risk & Analytics function more efficient and scalable - Evaluate and deploy best-in-class tooling for credit modeling, collections automation, data processing, and analytics delivery - Stay current on the evolving landscape of fintech AI applications and bring relevant innovations to the team What We Are Looking ForMust-Haves - Experience as a P&L owner at a consumer lending company: you've directly managed credit loss, yield, and portfolio economics and can speak to the decisions you made and their outcomes - Deep, hands-on credit underwriting experience – not modeling in the abstract, but real ownership of live underwriting decisions and the P&L outcomes they produce. - Proven track record building unsecured personal / consumer loan credit models end to end. - Experience managing analysts, with a track record of developing talent and building productive, high-output teams - Strong AI aptitude: you're already using AI tools in your workflow and have opinions on how they can make a credit/analytics function meaningfully more efficient - Deep fluency in credit risk concepts: underwriting policy, scoring models, vintage analysis, loss forecasting, collections strategy - Comfort working across functions: you've partnered with Product, Engineering, or Operations teams and know how to translate between risk and business priorities - Strong communicator who can present complex portfolio or analytics findings to non-technical stakeholders, up to and including board level - Knowledge of consumer lending regulation (TILA, FCRA, ECOA, UDAAP) - Deep fluency with the major credit bureaus (Equifax, Experian, TransUnion) – their attributes, scores, and data quirks – plus working experience with additional and alternative data sources. - Pedigree from Capital One or a comparably innovative, test-and-learn consumer lender (e.g., Affirm, Upstart, Oportun, Discover, Synchrony, SoFi, Enova); someone who has worked inside a best-in-class underwriting culture. Nice-to-Haves - Experience at a fintech or marketplace lender (point-of-sale lending, BNPL, or installment lending a plus) - Demonstrated alternative underwriting experience used to extend credit access to near-prime and subprime applicants. - Hands-on experience building or managing credit models (logistic regression, ML-based scorecards, etc.) - Familiarity with collections vendor management and agency relationships - Experience scaling an analytics team from small to multi-functional What Success Looks Like in Year One - Credit loss and approval rates are moving in the right direction, with a clear underwriting roadmap in place - Collections strategy is segmented, instrumented, and showing measurable improvement in recovery rates - You've identified and implemented at least two meaningful AI/tooling improvements that save the team time or improve decision quality - The SVP of Product considers you a true partner on lending product decisions This Role Is Not for Everyone This is a player-coach role, and that's not going to change as the company grows. If your instinct is to delegate analysis and own the strategy from a distance, this won't be a fit. We're a lean team, and the VP we're looking for is someone who is as comfortable pulling data and building a model on a Tuesday afternoon as they are presenting portfolio strategy to the President on Wednesday morning. Specifically, this probably isn't the right role if you: - Prefer to set direction and have analysts own all the hands-on work - Need a large, established team and infrastructure before you can be effective - Are looking for a role where credit risk is siloed from the rest of the business - Define success primarily through headcount growth rather than business outcomes If that sounds limiting, it should — we are being intentional about it. If it sounds energizing, keep reading. Why You'll Love Working Here - Competitive base salary ranging from $250,000 - $275,000 Scratch is a remote-first company, giving ultimate flexibility to today's nomadic work style. For those who prefer a hybrid model, we do have an office space in Pasadena available for use (which is stocked with snacks & various beverages). We offer unlimited PTO, covered healthcare, 401k match, cell plan reimbursement, and monthly recognition opportunities. We also provide learning platforms and resources for all to keep growing. Not only that, but we have an equity retention policy to ensure you grow as the company grows financially, as well. And if your family is growing, we offer generous parental leave, too! How to ApplyReady to join our team? To apply, please visit our Scratch Careers Page. Be sure to: - Submit your resume. - Answer the custom questions provided. - Feel free to add any additional information or documents you believe are relevant to your application. We look forward to reviewing your application! *Our team will ONLY contact you from the domain @scratchpay.com or @ats.rippling.com Our CommitmentWe’re innovators who care deeply about the lives of pets, their owners, and veterinary professionals. We believe diversity strengthens our team and drives better solutions. Scratch is committed to diversity in its workforce and is proud to be an equal opportunity employer. Scratch considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.

• End-to-end accountability: Own all non-customer-facing operations across every line of business — fraud prevention, dispute resolution, back-office compliance, and processing work including mail and refund processing — spanning the 30+ workloads currently managed by the team. • Workload ownership: Set the standard for how every back-office workload runs, from the highest-stakes fraud and dispute casework to high-volume processing queues, ensuring each is staffed, measured, and continuously improved. • Operating rhythm: Set goals, SLAs, and quality standards for the function; run the weekly and monthly cadence that keeps the team aligned and surfaces risk early. • Executive voice: Serve as the senior point of contact for Risk operations, translating operational reality across fraud, disputes, and processing into clear tradeoffs for executive leadership and partners. • Regulatory defensibility: Hold the function to a standard that withstands audit and regulatory exams, partnering with Legal and Compliance on FCRA, Reg Z, Reg E, SCRA, and related obligations. • Lead the team (player-coach): Lead and develop a team of Team Leads and subject-matter experts, as well as the frontline investigators and analysts (Sr Risk Investigators, Risk Investigators, Risk Data Analyst). This is a hands-on leadership role, not a pure management one — you stay close to the work as the org flattens and AI absorbs routine volume. • Org design & headcount: Own the structure, staffing model, and capacity planning for the function; make the build-vs-buy-vs-automate calls as volume grows. • Talent: Hire, level, coach, and retain; build career paths and a bench of senior investigators and future team leads. • Performance: Set individual and team performance expectations, run calibration, and hold the bar on quality through the QA rubric and review process. • Automation strategy: Define and drive the roadmap to automate manual review, dispute intake and resolution, monitoring, and reporting; reduce cost-to-serve and cycle time while protecting accuracy. • AI-enabled operations: Partner with the data and AI teams to deploy tooling that triages cases, drafts dispute responses, and flags anomalies, with humans focused on judgment-heavy work. • Tooling & vendors: Own the fraud and dispute tech stack (Alloy, Socure, Persona, LexisNexis, Helix, Centrix, Zendesk, Peach) and the vendor strategy behind it, including utilization, contracts, and consolidation. • Data & measurement: Ensure the function operates on a reliable single source of truth in Databricks; instrument the metrics that prove impact (loss rates, chargeback win rate, dispute cycle time, manual-review rate, QA scores). • Controls: Own the control environment for fraud and disputes; ensure QA, escalation, and documentation standards keep decisions defensible. • Cross-functional partnership: Work with Compliance, Legal, Product, and Engineering to translate regulatory change into operational reality and to close control gaps before they become findings. • Risk appetite: Operationalize the company's risk appetite: Build and tune the systems, thresholds, and workflows that embed Tilt's balance of fraud prevention and fair customer treatment into day-to-day operations, and serve as the escalation point for any gray-areas.