BMG Money

Lead and transform risk operations including collections, fraud, and recoveries to optimize performance and compliance. | Extensive leadership experience in risk, collections, fraud, or related domains within financial services, with strong analytical and regulatory expertise. | Title: Vice President, Risk Operations Reports to: Chief Operating Officer Location: Miami, FL (Hybrid) / US Remote About the Company At BMG Money, our mission is to provide access to affordable and responsible credit for underserved consumers facing unexpected expenses. We all share one vision— Redefining lending through technology, where underserved individuals can thrive financially through forward-thinking, responsible, and innovative financial solutions. Job Summary The VP, Risk Operations serves as the senior executive responsible for the strategies, processes, teams, and controls that influence delinquency, loss performance, fraud prevention, and recovery outcomes across the customer lifecycle. The leader will ensure all risk operations deliver predictable performance, a strong customer experience, and full compliance with regulatory and investor expectations. This role requires a combination of strategic vision, analytical depth, operational judgment, and the ability to build and manage high-performing teams in a fast-paced environment. Key Responsibilities Lead the transformation toward a predictive and insight-driven risk operation across Collections, Loss Mitigation, Fraud, and Recoveries. Establish a unified operating framework that integrates segmentation, modeling, channel optimization, and agent performance insights. Strengthen BMG’s credibility in the investor marketplace by demonstrating disciplined execution, consistent performance management, and transparent reporting. Oversee early-stage, mid-stage, and late-stage collections strategies and execution across digital and live channels. Deploy segmentation, VAR modeling, intent/willingness models, and channel affinity insights to optimize treatments and improve cure rates. Increase the effectiveness of hardship programs and customer engagement strategies through experimentation and measurement. Lead prevention, detection, and investigation capabilities using a modernized toolset and integrated decisioning framework. Establish consistent protocols for identity verification, behavioral analytics, and fraud case management. Partner with Analytics to continuously refine fraud scoring, rules, and controls. Oversee all post-charge-off activities including recoveries operations, debt sales, and bankruptcy workflows. Ensure timely execution of forward flow and debt sale processes with a focus on ROI, accuracy, and control. Use predictive modeling to optimize recovery strategies and improve net return. Translate analytical models into operational strategies that drive measurable improvements in roll rates, cure, fraud detection, and recovery yield. Partner with the Director of Analytics to ensure data-driven decisioning, dashboarding, segmentation, and treatment optimization. Create a continuous learning environment that tests, measures, and refines strategy in real time. Ensure full adherence to applicable laws, regulations, investor guidelines, and internal policies across all risk operations. Strengthen control environments by establishing standardized processes, documentation, quality monitoring, and governance routines. Work closely with Compliance, Legal, and Internal Audit to proactively mitigate risk and maintain operational integrity. Lead and mentor a team that includes the Director of Collections, Director of Recoveries, Senior Manager of Fraud, and future leaders across analytics-driven treatment strategy. Build a culture of accountability, urgency, data-driven decisioning, and performance excellence. Develop leadership maturity across the organization and deepen partnership credibility with the investor marketplace. Qualifications 12+ years of leadership experience in Risk Operations, Collections, Loss Mitigation, Fraud, or related domains within fintech, consumer lending, or financial services. Strong analytical background and experience applying segmentation, modeling, and experimentation to operational strategy. Demonstrated success managing large operations teams in high-growth or transformation environments. Expertise in compliance, controls, and regulatory expectations related to collections, credit reporting, consumer communications, and fraud operations. Exceptional leadership presence with the ability to influence executive teams, regulators, and investor partners. Ability to balance strategic vision with disciplined execution and urgency.

The Executive Administrative Assistant will manage the COO's calendar and workflow, ensuring alignment with strategic priorities. They will also serve as a liaison between the COO and various stakeholders, maintaining a seamless daily experience. | Candidates should have over 3 years of experience supporting C-suite executives in fast-paced environments. Strong communication skills and the ability to manage complex priorities with discretion are essential. | Title: Executive Administrative Assistant Reports to: Chief Operating Officer Location: Miami, FL (Hybrid) / US Remote About the Company At BMG Money, our mission is to provide access to affordable and responsible credit for underserved consumers facing unexpected expenses. We all share one vision— Redefining lending through technology, where underserved individuals can thrive financially through forward-thinking, responsible, and innovative financial solutions. Job Summary We are hiring an Executive Administrative Assistant who will act as an extension of the COO, managing time, priorities, relationships, and day-to-day execution. This role goes far beyond scheduling. The ideal candidate protects the COO’s attention, drives clarity across the organization, and ensures every minute of the day aligns with strategic priorities. They operate with calm discipline, absolute discretion, and a deep understanding of how high-performance executives function. This person will own the executive’s calendar, workflow, information flow, and daily structure with the objective of maximizing impact, reducing friction, and enabling consistently strong execution. Key Responsibilities Fully own and manage the COO’s calendar, serving as the gatekeeper for all internal and external commitments. Evaluate and prioritize requests based on business value, urgency, relationships, and strategic importance. Proactively design the daily and weekly schedule to balance meetings, focus time, decision windows, travel, communication, and personal commitments. Anticipate conflicts and resolve them independently with minimal disruption. Build and maintain a consistent executive operating rhythm including prep documents, briefing notes, meeting packets, follow-ups, and debriefs. Ensure the COO enters every meeting fully prepared with context, decisions required, and materials organized. Track all action items, deadlines, and commitments across functions, ensuring execution without requiring the COO’s reminders. Maintain a real-time pulse on priorities, shifting agendas and reorganizing the day as needs evolve. Coordinate personal and professional logistics to maintain a seamless daily experience. Support travel, events, household coordination, scheduling, and other needs that ensure an organized and friction-free daily flow, acknowledging that personal and professional demands often intersect and must be managed together to maintain continuity. Maintain strict confidentiality and boundary management across all matters. Serve as a trusted liaison between the COO and senior leaders, board members, partners, and external stakeholders. Draft, refine, and send communications on the COO’s behalf with precision and professionalism. Ensure clarity in communication flow so the COO is continuously informed of risks, deadlines, issues, and decisions requiring attention. Organize and manage information, documents, and knowledge systems for quick access and efficient decision-making. Prepare summaries, talking points, briefing notes, follow-ups, and structured updates before and after all key meetings. Identify conflicts, risks, or dependencies early and elevate them with clear recommendations. Build and maintain the COO’s task management system, ensuring alignment with strategic goals. Follow up with leaders across the organization to close loops and drive accountability. Keep the COO’s schedule and priorities aligned with board deadlines, operating cadences, and strategic initiatives. Qualifications 3+ years supporting C-suite executives in high-velocity, high-expectation environments. Demonstrated ability to manage complex calendars and competing priorities with near-zero error tolerance. Strong strategic judgment, ability to anticipate needs, and comfort making decisions independently. Exceptional written and verbal communication skills. High emotional intelligence with the ability to manage relationships at all levels, including board members. Experience navigating sensitive information with absolute discretion. Mastery of time management, organization systems, productivity tools, and communication platforms.

Lead and scale fraud operations and risk detection for consumer finance products, build fraud controls and teams, and ensure regulatory compliance. | 7–10+ years in fraud/payments risk/AML in consumer finance, leadership experience, deep knowledge of payment rails and fraud typologies, and a bachelor's degree. | Title: Senior Manager, Fraud Operations Reports to: Chief Operating Officer Location: Miami, FL (Hybrid) / US Remote About the Company At BMG Money, our mission is to provide access to affordable and responsible credit for underserved consumers facing unexpected expenses. We all share one vision— Redefining lending through technology, where underserved individuals can thrive financially through forward-thinking, responsible, and innovative financial solutions. Job Summary As we broaden our market reach and expand our consumer finance product offerings, we are establishing a next-generation fraud and payments risk capability. The Senior Manager, Fraud & Payments Risk will design and scale systemic safeguards that protect the company from fraud and financial crime while enabling growth across both current and future products. This leader will work collaboratively with Enterprise Controls and Payments functions, while owning the day-to-day fraud operations, risk detection, and funds flow monitoring. The role goes beyond traditional fraud management, requiring deep consumer finance experience, multi-rail payments expertise, and the ability to anticipate fraud typologies across a growing portfolio. Key Responsibilities • Develop and execute fraud and funds flow risk strategies aligned with the company's growth agenda. • Anticipate how fraud patterns may evolve as new consumer finance products are introduced. • Build dashboards and KPIs that track anomalies (refund-to-source integrity, velocity/structuring, cross-border flows). • Leverage machine learning and AI modeling to enhance detection, predict emerging fraud typologies, and continuously strengthen defenses. • Own operational fraud detection and resolution processes across application, funding, repayment, and refunds. • Ensure strong preventative controls (refund-to-source enforcement, debit card ownership validation, automated deduction stops). • Implement monitoring and exception reporting (rail mismatches, shared identifiers, dormant account exploitation). • Partner closely with Enterprise Controls and Payments (for execution across ACH, debit, payroll, wallets) while owning the operational fraud decisioning and monitoring layer. • Stand up and scale a fraud operations team: recruit, coach, and grow diverse talent. • Deploy leading fraud tools and vendor solutions that extend across fraud + AML use cases. • Embed fraud and AML controls into new product launches and market entries, ensuring scalability from the outset. • Ensure compliance with regulatory expectations (CFPB, FDCPA, TCPA, BSA/AML). • Prepare leadership and Board reporting on fraud/financial crime risk posture and emerging vulnerabilities. • Serve as advisor to senior leadership on fraud and payments risk strategy as products expand. • Establish "one-to-one traceability" as a cultural principle: funds in must equal funds out, with no breaks in attribution. Qualifications • 7–10+ years of experience in fraud operations, payments risk, or AML operations within consumer finance (lending, banking, cards, or fintech). • Broad understanding of consumer finance products and associated fraud typologies, with ability to adapt frameworks to new products. • Deep knowledge of various payment rails. • Proven ability to build fraud capabilities in a scaling environment. • Strong analytical and problem-solving skills; track record of using data to design systemic controls. • 3+ years of leadership experience developing high-performing teams. • Knowledge of major fraud schemes (synthetic ID, ATO, overpayment/refund manipulation, velocity/structuring). • Bachelor's degree required; advanced degree or certifications (CFE, CAMS) preferred. • Flexibility and commitment to respond during critical fraud incidents, recognizing these events require immediate action, even if disruptive outside of normal business hours.