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!

🚩 Notice - Employment Scams

Communication from our team regarding job opportunities will only be made by an Owner team member with an @owner.com email address.

We do not conduct interviews over email or chat platforms, and we will never ask you to provide personal or financial information such as your mailing address, social security number, credit card numbers or banking information. If you believe you are being contacted by scammer, please mark the communication as "phishing" or “spam” and do not respond.