Head of Risk

Job Description

Chariot is a charitable payments company that's revolutionizing the philanthropic financial system. We believe more money needs to move to nonprofits faster so we are building tools that activate more philanthropic dollars and transform nonprofit operations to be more efficient. We're looking for top talent to join our mission driven team in changing the financial landscape of philanthropy.

We are currently backed by Y Combinator, Spark Capital, SV Angel, and top-tier angel investors like Mike Massaro, Adam Grant, and Angela Duckworth. Our team is made up of passionate and talented individuals with prior work experience at Blackrock, Bain, Goldman Sachs, Palantir, and Forage (YC21).

We are entering an exciting phase of growth moving hundreds of million dollars per month and expanding our team to bring tens of thousands of nonprofits onboard while expanding our product capabilities to solve even deeper problems for the nonprofit sector. Mitigating risk is essential to that growth; this seat is where it ultimately lives.

Risk & Security

• Own Chariot's risk surface end to end: technological, security/infra, fraud, and product risk

• Build and maintain a living catalog of Chariot's risk exposure that stays current, not a spreadsheet that goes stale

• Partner closely with engineering to pressure-test our core payment flows: where they break, what the blast radius is, and how we mitigate it

• Understand our product and technology deeply enough to see risks around the corner and get ahead of them, rather than reacting after the fact

Systems & Monitoring

• Stand up a proactive monitoring and mitigation cadence across the risk surface

• Bring first-principles, systems-level thinking to how we identify, prioritize, and close risk gaps

• Build on and formalize existing interim risk and compliance coverage rather than duplicating it

Strategic

• Sit at the leadership table: brief leadership regularly on the top risks facing the business, prioritized from first principles, each with a mitigation plan

• Partner with Product and Engineering so new features ship with risk accounted for, without slowing velocity

👤 About You

• 5+ years in risk, fraud, trust & safety, or a related operating role, ideally at a fintech, payments, or marketplace company

• First-principles and systems thinker with genuine technical and product depth

• Detail oriented with excellent written/verbal communication skills

• Proactive with strong people skills and ability to influence internal and Engineering/Product stakeholders

• Comfortable working collaboratively in a fast-moving, cross-functional team environment

• Team player with an ownership mindset and an eagerness to take on more work whenever possible

• Relentlessly curious about how our product and technology work, with a proactive instinct to map out everything that could go wrong

📚 What you’ll get from Chariot

At Chariot, we are building modern, end-to-end payment infrastructure making donors' lives easier, and nonprofits' lives better. $600B gets donated to charity each year in the US and the existing technology/infrastructure was still built for our grandparents generation. Chariot is here to change that.

• Traction. Annualizing over $1.8B in payment volume through Chariot. Tens of thousands of nonprofits already onboarded including American Cancer Society, Memorial Sloan Kettering Cancer Center, and University of Pennsylvania.

• Impact: That money services nonprofits working in homelessness, health, education, the environment, and so much more.

• Market opportunity: Billion dollar revenue opportunity. Fintech company operating in an untapped $600B market

• The Team. >30% of Charioteers are former founders. NYC office, in-person Monday through Thursday, WFH Friday. The public handbook shows how we operate.

❤️ Employee Benefits

• 🏥 Healthcare: Comprehensive healthcare, including options that are 100% covered by Chariot for you

• 🌴 Time-Off: 18 days PTO and 13 holidays - take the time off that you want and need to relax and recharge

• 👶 Parental Leave: 100% paid parental leave, including 12 weeks for primary caregivers

• 🍽️ Team Lunches: Weekly team lunches

• 🌯 Dinner on Chariot: Free dinner every day at office past 8pm

• 🎉 Team Events: Monthly team building events

• 💎 Employee-friendly equity: 2 year exercise window and double-trigger acceleration

• 😎 Company Retreats: To get away - we all convene 2-3x / year company retreats

• 🎁 Matching Gifts: Matching DAFs and daily charitable giving through GoodToday