Head of Risk & Payments Operations

Why we're looking for you

Owner.com is building the all-in-one platform that helps independent restaurants grow and thrive. Payments are core to our mission - restaurants depend on us to reliably process tens of millions of online orders today. We’re looking for a Head of Risk & Payments Operations to design and scale our payments operations, ensuring accuracy, compliance, and reliability as we continue to expand our payments offering.

The impact you'll have

• Design and implement scalable payment operations processes and controls, ensuring reliable reconciliation, dispute handling, and settlement.
• Oversee operational risk management (onboarding reviews, transaction monitoring, chargebacks) and partner with Product/Analytics on risk model improvements.
• Monitor and improve payment performance metrics (approval rates, chargeback ratios, settlement timeliness) to enhance merchant trust and retention.
• Partner with Product, Engineering and Analytics to automate operational workflows, reduce manual intervention, and embed ops requirements into product design.
• Ensure regulatory compliance and risk management as Owner.com evolves its payments infrastructure and prepares for new markets and payments channels.
• Collaborate closely with Support to improve merchant experiences and streamline escalations.
• Develop operational playbooks, dashboards, and reporting to provide visibility into performance and risk.
• Lead remediation of operational incidents and drive continuous improvement.
• Over time, hire and grow a high-performing Payment Operations team.

Who you’ll work with

• Report directly to the GM of Payments and partner with leadership to shape Owner.com’s payments strategy, expanding beyond online ordering into additional payment channels and technologies.
• Collaborate with Product, Engineering, and Support teams to embed and scale payments across the platform.
• Align with Finance and Compliance on reconciliation, reporting, and regulatory needs.

What we’re looking for

• 8-15 years of experience in payments, fintech, SaaS, or payment operations roles.
• Direct experience with platform payments or marketplace models (Stripe, Adyen, or similar).
• Strong understanding of payment performance levers (fraud, chargebacks, approval optimization, settlement) and regulatory frameworks (KYC/KYB, AML, PCI, card network rules).
• Hands-on experience in operational risk management, including onboarding risk, transaction monitoring, and chargeback processes.
• Proven ability to design scalable processes, implement controls, and own operational metrics.
• Excellent problem-solving and data analysis skills; comfortable using tools/SQL to dive into payments data.
• Demonstrated cross-functional collaboration skills with Product, Engineering, Support, and Finance.
• 2+ years of experience leading or mentoring a team, with readiness and excitement to roll up sleeves as an individual contributor in the short term.
• Entrepreneurial mindset: thrives in ambiguity, adapts quickly, and takes ownership to drive outcomes.

Pay and benefits

The estimated base salary range for this role is $165,000 - $210,000, plus a generous pre-IPO equity package. Other benefits include comprehensive health coverage, remote-first workplace, unlimited PTO - plus extra fun perks!

Key skills/competency

• Payments Operations
• Risk Management
• Fraud Prevention
• Chargeback Handling
• Regulatory Compliance (KYC/AML/PCI)
• Payment Performance Optimization
• SQL/Data Analysis
• Cross-functional Collaboration
• Team Leadership
• Fintech/SaaS Experience