[Hiring] Head of Risk @Step

Role Description

We're looking for a Head of Risk to lead our Risk team, partnering with Product, Engineering, Compliance, and Data teams to own risk decisioning, scaling risk operations, and minimizing fraud losses. You'll lead our high-performing risk team to drive decisions covering:

• Transactional risk
• First party fraud
• Targeted fraud attacks
• ATO risk

As part of Beast Industries, MrBeast's family of companies, Step is positioned to scale significantly over the next 12-24 months, and delivering best-in-class risk controls and protection will be critical to support that growth.

In this role, you will:

• Lead Step’s Risk strategy that balances aggressive fraud mitigation with a frictionless, world-class user experience
• Champion cross-functional partnership with Data Science, Product, Engineering, and Compliance to embed risk-aware decisioning into the product lifecycle
• Own Step’s fraud loss outcomes by partnering with Finance to balance revenue growth against risk overhead and operational costs
• Scale the Risk organization to meet hyper-growth demands, prioritizing automated, technical-first solutions to improve operational efficiency
• Drive continuous improvement of risk prediction models to minimize false positives and enhance precision in high-stakes environments
• Execute a customer-centric risk culture that views every mitigation effort through the lens of user trust and retention

Qualifications

• 10+ years of high-impact risk leadership, with a strong preference for candidates offering expertise in risk analytics and/or data science
• Proven track record of analytical leadership, using data to navigate complex challenges and drive strategic business results
• Extensive experience within Fintech or Banking, specifically managing high-risk consumer technology environments and payment platforms
• Demonstrated success in neutralizing transactional fraud while maintaining full accountability for fraud losses
• Expertise in developing defense strategies against sophisticated attack vectors, including first-party and friendly fraud
• History of collaborating with Product teams to deliver seamless, "good-customer" experiences without compromising security
• Proactive, outcome-oriented mindset with a deep commitment to advocating for the customer at every decision point
• Mastery of cross-functional influence, building consensus and alignment across disparate internal teams and stakeholders
• Extensive experience building and mentoring multi-disciplinary teams across Risk Ops, Analytics, Disputes, and Investigations

Requirements

• Location: Remote (US) or San Mateo, CA, with occasional travel for team offsites and key meetings
• Reports to: Chief Operating Officer
• Education: Bachelor's degree or an equivalent combination of education, training, and experience

Benefits

• Competitive compensation and stock options
• Generous medical, dental, vision, and company-paid life insurance
• 401k plan with Safe Harbor company matching
• Flexible vacation policy and paid company holidays
• 12 weeks paid parental leave with flexible return to work
• Company-provided technology package

Company Description

Step is a remote-first company building banking for the next generation. We stand for the side hustlers, the creators, the freelancers, and the investors — people who are not afraid to take on challenges, especially when it comes to their finances. Step is focused on disrupting the banking industry by delivering a differentiated, mobile-first consumer experience.

Step is a wholly owned subsidiary of Beast Industries, the media and entertainment company founded by Jimmy Donaldson (MrBeast), the most-watched person in the world. With Beast's distribution and brand behind it, Step is positioned to scale significantly over the next 12 months, and joining now means helping shape that trajectory from the inside.