About HIFI

Every company will become a stablecoin company. Over the last decade, businesses became software-driven. Then fintech-enabled. Now, they're becoming programmable — at the money layer. HIFI builds the core infrastructure to power that shift. We provide APIs and systems that allow enterprises, developers, and governments to move funds between traditional bank accounts and stablecoins — instantly, globally, and securely. Our infrastructure powers billions in volume across the U.S., Latin America, Africa, and Asia — without requiring companies to rebuild their financial stack. From early-stage startups to Fortune 500s and public-sector institutions, HIFI is reimagining how money moves across borders, chains, and systems.

Role Overview

HIFI is building the financial infrastructure that powers stablecoin orchestration and compliant cross-border payments. To achieve this, we must operate at the highest standards of financial crime compliance and payment operations while maintaining and expanding our regulatory licensing footprint globally.

We are looking for a Payments Operations & Risk Lead who will serve as HIFI’s primary point of contact with Cross River Bank across compliance, fraud, and operations. This person will own day-to-day transaction workflows, fraud monitoring, and compliance requirements—ensuring our platform runs smoothly, securely, and within regulatory guardrails.

This is a high-impact, hands-on role at the intersection of payments operations, risk management, and banking partnerships.

Responsibilities

• Lead and manage end-to-end ACH operations, including origination, settlement, returns, and reversals.
• Develop and maintain ACH risk management frameworks, with a focus on handling reversals and returns (NACHA R codes).
• Oversee payment disputes and exception handling, ensuring timely resolution and minimal financial exposure
• Design operational controls and reserves to mitigate risk from ACH fraud, chargebacks, and reversals
• Partner with Product and Engineering to build ACH workflows and tools for developers integrating with HIFI
• Collaborate with Compliance on policies tied to ACH operations, including support for Money Transmitter License (MTL) applications and audits.
• Monitor ACH performance metrics (return rates, reversal volume, dispute timelines) and recommend process improvements.
• Stay current on NACHA rules, regulatory updates, and industry best practices.

Qualifications

• 4–7+ years in payments operations, risk, or compliance (ideally at a fintech, bank, or payment processor).
• Deep understanding of ACH, wires, card networks, and settlement flows.
• Experience working directly with banks or regulators on compliance/fraud issues.
• Familiarity with AML/BSA, NACHA, and relevant regulatory frameworks.
• Hands-on experience with fraud/risk tools (e.g., Alloy, TRM, Chainalysis, Actimize, etc.) a strong plus.
• Detail-oriented, with excellent investigative and problem-solving skills.
• Strong communicator—able to interface seamlessly with bank partners, regulators, and internal teams.
• Startup/scale-up experience preferred; comfortable building processes from scratch in a fast-moving environment.
• U.S. work authorization required; NYC-based in-person work is mandatory.

Why Join HIFI?

• Build the operational backbone of the infrastructure layer for programmable money.
• Direct exposure to top-tier banks, regulators, and global fintech partners.
• Competitive compensation package with equity.
• Fast-moving, high-ownership environment where your work directly drives company success.