Principal Risk Solutions Consultant

Trustly • San Francisco, CA

19h • Hybrid

About The Position

Trustly is hiring a Principal Risk Solutions Consultant to own customer risk relationships across a portfolio, from deal discovery and pricing through ongoing performance review and remediation. The role is an individual contributor position that works closely with risk, commercial, product, Finance, customer success, and customers. It influences outcomes through collaboration and represents Trustly’s risk perspective in customer discussions and at industry events.

The consultant manages customer risk reporting and quarterly business review content, explains approval rates and thresholds, recommends and communicates threshold and guarantee-tier changes, and advises customers on controls and data that could improve approval outcomes. For new deals, the consultant assesses volumes, consumer mix, return and chargeback history, controls, and approval rates; develops risk appetite and expected-loss views for pricing; recommends guarantee tiers and data requirements; and structures terms for non-standard deals. The role also designs pilots and phased launches, then compares actual loss and approval performance with expectations.

The consultant brings customer perspectives into Trustly’s risk engine and product roadmap, owns risk-related materials for proposals, questionnaires, and due diligence, and enables commercial and customer success teams on risk commitments and when to involve Risk. The role is hybrid, based at the San Francisco or New York hub, with office attendance Tuesday through Thursday. Travel of up to 25% in the US and Canada is expected.

Requirements

• At least 8 years of experience in payments risk, merchant underwriting, or risk consulting, including customer-facing experience.
• Customer-facing risk experience at a payments company, or pre-sales and solutions consulting experience at a risk or decisioning vendor, with direct executive-level exposure.
• Ability to build a deal-level expected-loss view and explain its assumptions to commercial teams, Finance, and customers.
• Experience explaining loss and return performance to customers and agreeing on remediation plans.
• Working knowledge of guaranteed payment economics.
• A record of influencing decisions outside one's direct ownership, such as pricing, product, or threshold changes agreed with other teams.
• Analytical skills and ability to explain both long-term and short-term trends.
• Willingness to travel up to 25% in the US and Canada.

Nice To Haves

• Bachelor’s degree in a quantitative or business discipline.
• ACH or EFT domain expertise.
• Depth in gaming, or in telecommunications, utilities, insurance, or financial services.
• Hands-on experience with rules engines, real-time decisioning, or fraud platforms.
• Experience discussing collections and repayment with customers.
• Experience advising customers on their own controls, such as account validation or checkout flow.

Responsibilities

• Own the risk relationship and cadence for a portfolio of customers, including regular reporting, quarterly business review risk content, and risk packs.
• Explain customer approval rates and thresholds, and communicate threshold and guarantee-tier changes with supporting rationale.
• Advise customers on controls and data that could improve approvals, including account validation, checkout flow, and information shared at authorization.
• Bring customer cases for threshold or guarantee-tier changes back into Trustly.
• Run risk discovery and deal scoping with customers and deal teams, including analysis of volumes, consumer mix, returns, chargebacks, controls, and approval rates.
• Set indicative risk appetite, expected-loss rates for pricing, guarantee-tier recommendations, and pre-authorization or data requirements.
• Quantify trade-offs among approval rate, expected loss, and guarantee fees for customers.
• Structure risk terms for non-standard deals, including exposure caps, collateral, and phased limits.
• Design pilots and phased launches for new customers or verticals, including scope, limits, measurement, and exit criteria.
• Review deal performance after launch by comparing actual loss and approval results with what was priced.
• Bring the customer perspective into the risk engine and product roadmap.
• Own risk content for requests for proposals, risk questionnaires, and customer due diligence reviews.
• Regularly enable commercial and customer success teams on what can be promised about risk and when Risk should participate.
• Represent Trustly’s risk function with customers and at industry events.

Benefits

• Flexible paid time off and generous PTO accrual plans.
• Comprehensive medical, dental, vision, and other insurance.
• FSA and HSA plans for medical and dependent care.
• Home office setup allowance.
• Internet stipend.
• Retirement plan match for 401(k) and RRSP.
• Gender-neutral paid parental leave.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed