• Own Transfer’s credit risk underwriting program, including policies, scorecards, and playbooks for customer onboarding, periodic reviews, and exception handling enabling consistent, high quality risk decisions as the portfolio scales. • Manage portfolio-level financial exposure across ACH, RTP, and FedNow by monitoring customer activity, return behavior, liquidity risk, and solvency signals, reducing the likelihood of unexpected losses and balance-sheet shocks. • Evaluate complex and higher-risk use cases, such as crypto, lenders, platforms, and liquidity-fronted customers allowing Plaid to support new business models safely. • Partner with Transfer Operations on day-to-day risk decisions and escalations, including setting and adjusting holds, reserves, limits, and pre-funding requirements ensuring fast, coordinated responses to emerging risk events. • Develop and maintain executive-level risk reporting, including exposure tracking, reserve adequacy, and loss forecasting, improving leadership visibility and decision-making. • Enable operational scale through training and documentation, creating self-serve guides and decision frameworks for customer oversight teams driving consistency and reducing operational risk as volume grows. • Collaborate cross-functionally with Product, Engineering, AML/Compliance, and Finance to translate risk policy into tooling, workflows, and automated controls embedding risk management directly into the Transfer platform. • Continuously improve risk frameworks and tooling by incorporating data insights, post-mortems, and industry best practices, keeping Plaid’s risk posture aligned with evolving threats and growth objectives.