About us
xPay is a Y Combinator backed international payments company building an international payment gateway focused on cross-border payments, making it dramatically easier for businesses to move money across borders. Our customers are B2B SaaS companies who need fast, reliable, and cost-effective payment infrastructure to serve global users.These businesses are increasingly moving their international volumes from billion dollar companies to xPay as we expand our footprint across 180+ countries and support 25+ currencies. Since January 2025, we have grown 73× and now process over 1 million transactions every month.
Cross-border payments is a $200 trillion market. Our top customers include Publicly Listed, Series D and Series E companies across various sectors like EdTech and Travelling processing millions through us every month.
The Role
You're founding the Risk function at xPay. You'll build the playbooks, manage regulators and payment networks, monitor fraud, and ship processes that scale with our growth. As the function stabilizes and our transaction volume grows, you'll expand into leadership and team building.
This is not a policy role. You'll do the work: monitoring transactions, filing compliance reports, handling chargebacks, and managing payment network relationships.
What You'll Do
Set up real-time fraud detection and rules-based monitoring across our payment rails. Work with engineers to ship rules to production and iterate on them as patterns emerge.
Own AML and compliance end-to-end transaction monitoring, regulatory reporting to banks, processors and payment networks.
Build chargeback and dispute playbooks from scratch. Own detection, investigation, recovery, and merchant communication.
Be SPOC for payment network escalations and regulatory correspondence. Manage relationships with acquirers and compliance authorities.
Define core risk metrics and dashboards. Ship weekly reporting to leadership and use data to drive decisions.
What We're Looking For
10+ years in Risk, Fraud, or Compliance, ideally in payments, fintech, or high-volume eCommerce
Built risk/compliance functions from scratch in an early-stage company. You've owned a function solo and moved fast with incomplete information.
Deep platform expertise, you know fraud detection tools, rule engines, and payment network frameworks. You understand fraud rules, chargebacks, and AML requirements.
Strong communication and data skills. You can explain complex risk concepts to founders, identify patterns, and make fast decisions.
Non-negotiable: you're comfortable operating with high autonomy, reporting to the CEO, owning multiple workstreams, and building from zero.
Why this role is interesting
Real, complex problems at scale, cross-border payments introduces unique fraud, compliance, and regulatory challenges. Your decisions directly impact our ability to scale.
Direct access to founders. You report to the CEO, influence product decisions, and help shape how we think about risk as competitive advantage.
Early-stage equity. You're joining as a founding team member, we treat the role that way.
Clear path to leadership and team building as the function grows.