Head of Fraud Ops

About Addi

We are a leading financial platform, building the future of payments, shopping, and banking—a world where consumers and merchants can transact effortlessly, grow together and where we create abundance and generate pride in them. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia’s fastest-growing marketplace.

We provide banking solutions (deposits, payments, unsecured credit) and commerce services (e-commerce, marketing) using state-of-the-art technology, bridging the financial gap for millions and redefining how people experience financial freedom. As the country’s leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In the past year, we have also achieved profitability, reinforcing the strength of our business model and our ability to scale sustainably.

Our mission has earned the trust of world-class investors, including Andreessen Horowitz, Architect Capital, GIC, Goldman Sachs, Greycroft, Monashees, Notable Capital, Quona Capital, Union Square Ventures, Victory Park Capital, and more, who back our vision for the future. With their support, we are not just growing—we are transforming Latin America’s financial ecosystem and shaping the next generation to shop, pay, and bank in Colombia.

But what truly sets us apart is how we build. We are a conscious company, driven by deep experience in scaling technology, services and products, and we live by our values every day.

About the Role

This is where you come in. Below, you’ll find what this role is all about—the impact you’ll drive, the challenges you’ll tackle, and what it takes to thrive at Addi. If you’re ready to be part of something big, keep reading.

What’s the mission you’ll drive

Ensure the implementation of best-in-class internal processes to authenticate over 100k new clients and 1.5k new allies monthly. Build and lead a high-performance fraud operations engine that proactively detects and prevents evolving fraud vectors while instilling a culture of process discipline, monitoring, and continuous improvement.

What you will do

• Design and implement scalable fraud operations systems that support customer and ally onboarding, while maintaining fraud risk and meeting service level expectations.

• Launch capacity planning and resource modeling processes to ensure operational readiness, with risk mitigation and compliance integrated from the start.

• Continuously improve KYC and KYP verification flows to support authentication of new clients and allies, ensuring scalability and security.

• Diagnose and redesign fraud operations processes to reduce operational risk and improve SLA performance, transitioning from reactive to proactive authentication.

• Create and lead a fraud prevention strategy through ongoing updates, analysis, and feedback on emerging fraud patterns in local and global markets.

• Build and scale a fraud operations team with clear KPIs, workflows, and SOPs aligned with high standards for authentication processes.

• Define and implement a scalable monitoring infrastructure with dashboards, alerts, and documentation that supports operational excellence.

• Promote a culture of continuous process review, leading regular analyses of new risk patterns and missed detections.

• Establish a fast feedback loop that enables agile responses to new fraud risks and improves detection time.

What we’re looking for

• Proven Fraud & Risk Expertise, leading Fraud Operations Teams

  • 5+ years in fraud operations or risk-related roles, including at least 3 years in leadership.

  • Built or led onboarding fraud processes in fintech, banking, or marketplace businesses.

  • Deep knowledge of onboarding and identity fraud, with a strong understanding of fraud tactics, technology, and data patterns.

  • Experience designing and optimizing fraud rule engines and manual triage processes.

  • Familiarity with onboarding flows, KYC/KYP systems, and compliance standards.

  • Proven track record scaling fraud review and monitoring processes in high-volume environments.

• Leadership & Collaboration

  • Demonstrated ability to recruit, train, and lead high-performing operational teams.

  • Experience aligning multiple stakeholders, including Legal, Compliance, Product, and Engineering.

  • Strong written and verbal communication, particularly in high-stakes and regulatory contexts.

• Operational Mastery

  • Experience scaling 24/7 fraud operations teams in high-growth environments.

  • Proven ability to design SOPs, queues, SLAs, and quality controls.

  • Comfortable balancing precision and speed in high-volume, high-risk workflows.

  • Proficient in advanced Excel functions and capable of analyzing databases like SQL

• Operational & Analytical Fluency

  • Ability to design scalable processes with SLAs, playbooks, and real-time monitoring.

  • Strong grasp of fraud analytics, case triage logic, and data-driven root cause analysis.

  • Skilled in balancing automation and human-in-the-loop decision-making.

• Oustanding Customer Centricity Skills:

  • Ability to understand the impacts of fraud-related frictions and design processes to mitigate these without compromising fraud prevention efforts.

  • A commitment to continuous improvement for both the customer and their team.

How the hiring process looks like

We believe in a fast, transparent, and engaging hiring experience that allows both you and us to determine if there's a great fit. Here’s what our process looks like:

• Step 1: People Interview (30 min)
  A conversation with a recruiter to get to know you, your experience, and what you're looking for. We’ll also share more about Addi, our culture, and the role.

• Step 2: Initial Interview (45-60 min)
  A more in-depth conversation with the hiring manager, where we explore your skills, experience, and problem-solving approach. We want to understand how you think and work.

• Step 3: Deep Dive Interview (60 min)
  You'll meet future colleagues and cross-functional team members to get a feel for how we work together. We’re looking for strong contributors and cultural fits, so bring your questions, too!

• Step 4: Case Study (3-5 Days)
  You may receive a real-world challenge or case study to complete. This is a chance to showcase your expertise and how you approach key problems relevant to the role.

• Step 5: Co-Founder Interview
  If there’s a strong match, you’ll have a final conversation with our Founder to align on expectations, cultural fit and ensure mutual excitement. From there, we’ll move quickly to an offer and discuss next steps.

We value efficiency and respect for your time, so we aim to complete the process as quickly as possible. Our goal is to make this experience insightful and exciting for you, just as much as it is for us. Regardless of the outcome, we are committed to always providing feedback, ensuring that you walk away with valuable insights from your experience with us.