About Atlas

Modern spend management & concierge.

Tech description:

Job description:

**Background** Atlas is the concierge and credit card that unlocks coveted access and enables seamless spending. Our cardmembers are discerning, busy individuals who rely on Atlas to deliver convenience across their lifestyle while ensuring their spending power is both reliable and effortless. In just 12 months, we’ve scaled to over $X00,000,000 in spending volume, growing double digits monthly—organically, with no paid marketing. We are backed by world-class investors and have multiple years of runway. Our team brings experience from building and launching iconic products and companies such as Apple, Robinhood, and DoorDash. We’re a small team of around 25 people based between NYC and SF. We value in-person collaboration and expect you to join us in the office. --- ### **Risk at Atlas** Risk at Atlas spans credit, fraud, and payments, requiring a comprehensive approach to ensure maximum spending power for our members while safeguarding their financial security and privacy. We underwrite our cardmembers—high-net-worth individuals and families—with a focus on thoughtful credit risk management and proactive fraud prevention. This includes protecting cardmembers from bad actors, ensuring their transactions are secure, and maintaining the highest standards of data privacy. Our ultimate goal is to deliver a seamless and secure experience that aligns with the elevated expectations of our members. --- ### **What You’ll Do** **Underwriting, Risk, and Fraud Management:** * Develop and manage an underwriting model that automates credit line sizing for high-net-worth individuals. * Build and oversee processes for bespoke underwriting for high-spending cardmembers. * Design and implement fraud detection and prevention strategies to protect cardmembers from bad actors while mitigating company losses. * Oversee payment-related risks, including payment processing reliability, delinquency mitigation, and privacy protection. * Manage company-wide risk across credit, fraud, and payments, while ensuring financial security for members. **Collaboration:** * Partner with the member services team to address credit-related issues (e.g., credit limit increases, declines, fraud disputes). * Collaborate with engineering to build technology that dynamically adjusts credit lines and flags high-risk transactions based on factors like net worth, FICO scores, and spending patterns. * Work with data teams to create dashboards and alerts for real-time monitoring of credit, fraud, payments risks, and member privacy concerns. * Partner with finance to manage relationships with partner banks, third-party lenders, and payment processors. * Establish and refine legal processes for collections, payment plans, fraud disputes, and privacy-related issues. **Analytics and Reporting:** * Design and maintain dashboards to track portfolio performance, fraud activity, privacy compliance, and payment risks. * Implement alerts and escalation processes for high-risk activities. * Document and oversee the implementation of risk policies and procedures across credit, fraud, and payments, with a focus on privacy and member protection. --- ### **Responsibilities** **Underwriting:** * Build a technology-driven credit model for rapid line sizing, with a bespoke option for high-spending members. **Fraud Prevention:** * Develop and implement fraud detection tools and strategies to protect cardmembers from bad actors. * Establish protocols for investigating and resolving fraud disputes efficiently while ensuring member privacy. **Payment Risk:** * Set up robust systems to manage payment-related risks, including late payments and delinquency monitoring, while safeguarding financial security. **Privacy and Security:** * Ensure all systems and processes protect cardmember privacy and adhere to the highest standards of financial security. * Collaborate with engineering and compliance teams to monitor and address potential data breaches or vulnerabilities. **Reporting and Metrics:** * Create granular analytics dashboards for real-time monitoring of credit, fraud, and payment risks. * Develop reporting frameworks to evaluate risk performance, portfolio health, and privacy/security compliance. **Relationship Management:** * Serve as the primary contact for partner banks, third-party lenders, and payment processors to communicate risk strategies and policies. --- ### **Requirements** * Proven experience managing risk for personal cards, loans, or payments, particularly with a high-net-worth client base. * Expertise in credit, fraud detection, payments risk management, and member privacy/security practices. * Strong understanding of modern financial technology tools (e.g., Plaid, software-driven underwriting, fraud detection systems). * Exceptional communication skills with the ability to collaborate across teams, including founders, engineering, and member services. * Ability to execute and manage time-sensitive tasks in a fast-paced, entrepreneurial environment. * Availability to work in-office in NYC or SF.

Skills:

SQL

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