Risk Management jobs in United States

Hey! We’re Plum, your smart saving and investing app on a mission to help grow money for life. Whether you’re stashing the cash for tea and toast in your first home or catching some rays during retirement, Plum’s got your back.

Since 2016, over 2 million people in 10 European markets have set aside more than £2 billion with our clever automation and AI –that’s the magic of Plum! As recognition for our work, we’ve received awards from the likes of Deloitte, Finder, and more.

That’s all down to our passionate team of 230+ Plumsters, who work around Europe to help us achieve our mission. And now we’re looking for more brilliant people to join us on our journey.

As Payment Manager, you will be responsible for overseeing the company’s payment operations, ensuring smooth transaction flows across multiple product lines, and maintaining compliance with regulatory frameworks.

You will lead the payments team, manage relationships with payment service and banking providers, and drive strategic initiatives to optimize efficiency, security, and customer experience.

• Develop and manage strategic relationships with payment providers to ensure seamless delivery of solutions that meet customer needs across all payment channels.
• Ensure timely and accurate execution of inbound and outbound payments (e.g., deposits, withdrawals, dividends, fund transfers).
• Ensure adherence to FCA, PSD2, and EMI regulatory requirements.
• Responsible for guiding internal teams with expert recommendations to optimize payment processes and maintain consistency with overall business strategy and regulatory changes.
• Manage relationships with banks, card networks, payment processors, and custodians.
• Identify opportunities to streamline payment workflows and reduce operational risk.
• Drive automation initiatives to enhance scalability and efficiency.
• Responsible for creating payment experiences that balance customer-centric design with operational efficiency and fraud risk management.
• Lead and mentor the payments operations team.
• Foster a culture of accountability, innovation, and continuous improvement.
• Collaborate with product, compliance, and technology teams to design payment solutions aligned with new product launches.

• Proven experience in payment operations management within Fintech, banking, or financial services.
• Strong knowledge of EMI regulations, FCA requirements, and PSD2 framework.
• Familiarity with investment products (ISA, GIA, stocks, mutual funds).
• Experience with payment systems (SEPA, Faster Payments, SWIFT, card acquiring).Excellent analytical, problem-solving, and stakeholder management skills.
• Strong communication and relationship-building abilities, with the ability to build and sustain strong relationships across internal teams and external stakeholders.
• Leadership experience with the ability to build and motivate high-performing teams.

• Own part of the company you're helping grow through stock options
• Private health insurance
• Annual training budgetPlum Premium for free
• Competitive referral scheme
• Hybrid working: 2 days a week connecting in our beautiful offices in London, Athens, or Cyprus
• Team breakfasts and team lunches
• 25 days holiday + bank holidays
• 45 work-from-anywhere days to give you flexibility to work your way
• 2 weeks sabbatical after 4 years to take the break you deserve
• Enhanced parental leave
• 1 paid volunteering day annually
• Annual team trip to a surprise destination!
• A fun, inclusive company culture (think🦄🌈💯)

If you think this sounds like you, don’t hesitate to get in touch!

Thanks,

Plum Team

* Plum is an Equal Opportunity Employer. Plum does not discriminate on the basis of age, race, religion, sex, gender identity, sexual orientation, non-disqualifying physical or mental disability, national origin or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit and business need.