Manager, Payment Risk & Optimization - Americas

Richemont•Shelton, CT

32d•Onsite

About The Position

This role represents a strategic leadership evolution within Richemont’s Finance organization. Moving beyond traditional operational fraud prevention, the Payment & Risk Optimization Manager is mandated to define, lead, and execute the holistic B2C payment-funnel and risk optimization strategy across all Richemont Maisons. The Manager serves as a strategic leader and key business partner to Maison Executive Leadership, Finance, E-Commerce, and Technology teams. Leveraging advanced data analytics, payment intelligence, and fraud strategy, the position balances maximum payment acceptance, conversion performance, and customer experience with robust, scalable fraud governance and loss prevention. MISSION: Responsible for identifying points of friction in the performance of the B2C payment funnel — from authentication through to authorization — across all B2C channels (omnichannel). The job holder works closely with the Customer Payment Services (CPS) Team and acts as a strategic business partner to Maisons, Finance, and Technology teams — leveraging data insights, payment intelligence, and fraud expertise to continuously improve payment acceptance performance while maintaining robust fraud prevention.

Requirements

Bachelor’s degree or equivalent combination of education and relevant experience.
7+ years of progressive experience in digital Anti-Fraud, payment risk, fraud investigations, payment optimization, or a related discipline; retail and/or luxury experience strongly preferred.
Demonstrated experience leading regional or enterprise-level fraud and payment programs and managing complex cross-functional initiatives.
Knowledge of card-network rules, chargebacks, payment processing & fraud controls.
Professional Anti-Fraud certification (e.g., MRC or Fraud Practice certification) strongly preferred.
Strong analytical and data-oriented approach, with experience using reporting and fraud-management systems.
Experience with fraud rules, model tuning, risk matrices, order-management systems, and payment optimization.
Proficiency in statistical analysis and the ability to explain results to non-technical audiences.
Proficiency with Microsoft Office, database/CRM tools, and Looker, including dashboard and visualization development.
Strong relationship-building, communication, influencing, and stakeholder-management skills.
Ability to manage ambiguity, adapt to change, and operate effectively in a fast-changing environment.
Excellent verbal, written, and presentation skills.
Fluent English.

Nice To Haves

Prior experience with External payment and Anti-Fraud solution providers a plus

Responsibilities

Lead the overarching strategy, optimization, and contract/performance management of key fraud vendors (e.g., Forter, Adyen Revenue Protect) across all B2C channels and Maisons.
Establish guidelines and oversight to mitigate machine learning bias within automated fraud decisioning tools, ensuring fair, compliant, and accurate outcomes across diverse client segments.
Set strategic targets to maintain automated decisioning above 98%, minimizing manual review friction while protecting client experience and net revenue.
Oversee end-to-end chargeback, dispute, and lost/missing parcel management processes. Define policy guidelines and monitor card scheme threshold compliance (Visa, Mastercard,American Express) to eliminate financial loss and program penalty risks.
Establish key performance indicators (KPIs) and Objectives & Key Results (OKRs) covering prevented fraud, missed fraud, false decline rates, and net revenue impact.
Drive strategic performance management of the B2C payment funnel pillars (Authentication, authorisation, conversion).
Drive high-level discussions with strategic payment service providers (e.g., Adyen), card schemes, and key issuing banks to challenge underperforming issuers, reduce false declines, and optimize authorisation rates.
Lead cross-functional strategy to optimize 3D Secure and SCA friction, identifying regional checkout friction points and implementing frictionless authentication flows.
Partner with Maison E-Commerce Directors and Commercial Leaders to turn complex payment data into strategic business recommendations that increase approval rates and elevate luxury client satisfaction.
Serve as the senior Subject Matter Expert (SME) and primary escalation point for regional Maison Leadership, Retail Directors, Finance, Legal, Security, on all B2C payment risk and optimisation matters.
Continuously review and evaluate risk and payment performance metrics across all channels, transforming complex data into strategic business insights and actionable recommendations for Maison leadership to reduce customer friction and elevate the end-to-end client journey while reducing fraud.
Champion a cultural transformation across all Maisons from a traditional "fraud-blocking" mindset to a revenue-maximising, client-centric payment optimization approach.
B2C Payment and Risk data initiatives coordination, business alignment and support for regional business needs.