QA LEAD, RISK OPERATIONS
ABOUT CURRENT
Current is a leading consumer fintech platform transforming financial access for everyday Americans with over five million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.
ABOUT THE ROLE
We’re looking for a QA Lead, Risk Operations to join our growing Risk Operations team in New York. In this role, you’ll execute and enhance the quality assurance program that evaluates how accurately and consistently our Risk Operations team delivers outcomes for members, with disputes as the primary focus and organizational responsibility for QA coverage across the broader Risk Operations function.
You will govern the QA program with our BPO partners, setting standards, reviewing their QA output, and running calibration sessions to validate scoring alignment, while also directly evaluating internal team member performance. You will surface trends, document findings, and bring clear data to Operations, Compliance, and Learning & Development so the right people can act on it.
This role is ideal for someone with direct QA experience in a disputes, fraud, or risk environment in consumer fintech or financial services, who is fluent in Reg E, Reg Z, and CFPB requirements at the agent decision level and is comfortable building toward a QA program that expands in scope as the Risk Operations team grows.
RESPONSIBILITIES
Disputes QA and BPO Governance
- Execute and continuously enhance the QA framework for disputes operations, including refining the existing scorecard, sampling methodology, and calibration cadence to ensure performance benchmarks reflect current Reg E, Reg Z, and CFPB standards
- Conduct structured reviews of agent-handled dispute cases across both BPO and internal teams, evaluating decision accuracy, procedural adherence, and regulatory compliance
- Serve as Current’s QA governance owner for outsourced disputes operations; conduct QA of QA reviews, lead calibration sessions with BPO QA leads, and hold partners accountable to performance benchmarks
- Identify scoring discrepancies and calibration drift in the BPO’s QA process; track corrective action commitments and escalate unresolved issues to Operations leadership
- Maintain and update QA scorecards as product, policy, or regulatory requirements evolve, ensuring scoring criteria remain current and consistently applied across all reviewers
Insights, Reporting and Risk Operations Coverage
- Analyze QA findings to identify error trends and knowledge gaps; document observations clearly and bring prioritized, data-supported findings to Operations, Compliance, and Risk leadership for action
- Prepare regular QA performance reporting, including accuracy rates, error trends, and compliance adherence, with Disputes Operations and Risk leadership; partner with the L&D Lead to ensure findings inform training content and coaching priorities
- Support audits and regulatory reviews by maintaining well-documented QA records and serving as the subject matter expert on QA methodology and outcomes across Risk Operations
- Own QA coverage for Risk Operations beyond disputes; assess what exists today across non-disputes risk functions, identify gaps, and build toward a consistent QA framework that can scale as those areas mature
ABOUT YOU
- 4+ years of experience in quality assurance, operations quality, or risk operations, with direct QA experience in a disputes, fraud, or financial risk environment
- Deep familiarity with consumer financial regulations as they apply to disputes, including Reg E, Reg Z, and CFPB guidelines, and how those requirements translate to agent-level decision standards
- Proven experience governing QA programs for BPO or outsourced operations, including QA of QA reviews, calibration facilitation, scoring alignment, and vendor-level performance accountability
- Demonstrated ability to design and maintain QA scorecards, conduct structured calibration sessions, and drive scoring consistency across internal and external teams
- Strong analytical skills with the ability to identify error patterns, document findings clearly, and present data-supported observations that enable Operations and Compliance leadership to make informed decisions
- Excellent written and verbal communication skills; comfortable presenting QA findings and trend analysis to Operations, Compliance, and Risk leadership
- Highly organized and detail-oriented, with the ability to manage a structured QA workload across a high-volume, multi-vendor disputes environment
- Strong collaborator who works effectively across Operations, Compliance, Learning & Development, and BPO partners without direct authority
- Comfortable navigating ambiguity and adapting quickly as product, policy, and regulatory requirements evolve
BONUS
- Experience in consumer fintech, neobanking, or payments, particularly at a high-growth startup
- Familiarity with customer experience, QA and workforce management platforms such as Zendesk, Assembled, Qualtrics
- Experience building or scaling QA programs from the ground up in a high-growth or rapidly changing operational environment
- Exposure to multi-function QA programs covering more than one operational domain
This role has a base salary range of $95,000 - $130,000 Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits.
BENEFITS
- Competitive salary
- Meaningful equity in the form of stock options
- 401(k) plan
- Discretionary performance bonus program
- Biannual performance reviews
- Medical, Dental and Vision premiums covered at 100% for you and your dependents
- Flexible time off and paid holidays
- Generous parental leave policy
- Commuter benefits
- Fitness benefits
- Healthcare and Dependent care FSA benefit
- Employee Assistance Programs focused on mental health
- Healthcare advocacy program for all employees
- Access to mental health apps
- Team building activities
Skills Required
- 4+ years of experience in quality assurance, operations quality, or risk operations with direct QA experience in disputes, fraud, or financial risk environments.
- Deep familiarity with Reg E, Reg Z, and CFPB guidelines and how they translate to agent-level decision standards.
- Proven experience governing QA programs for BPO or outsourced operations, including QA of QA reviews and vendor performance accountability.
- Demonstrated ability to design and maintain QA scorecards, sampling methodology, and conduct structured calibration sessions.
- Strong analytical skills to identify error patterns, document findings, and present data-supported observations to leadership.
- Excellent written and verbal communication skills; comfortable presenting QA findings and trend analysis to Operations, Compliance, and Risk leadership.
- Highly organized and detail-oriented with ability to manage structured QA workload across a high-volume, multi-vendor environment.
- Ability to collaborate effectively across Operations, Compliance, Learning & Development, and BPO partners without direct authority.
- Comfortable navigating ambiguity and adapting quickly as product, policy, and regulatory requirements evolve.
- Experience in consumer fintech, neobanking, or payments, particularly at a high-growth startup.
- Familiarity with customer experience, QA, and workforce management platforms such as Zendesk, Assembled, and Qualtrics.
- Experience building or scaling QA programs from the ground up in a high-growth or rapidly changing operational environment.
- Exposure to multi-function QA programs covering more than one operational domain.
What the Team is Saying
What We Do
Current is a U.S. based consumer fintech and payments platform with over four million members and a mission to improve financial outcomes. It provides mobile banking services that give its members access to opportunities to improve their financial lives, such as paychecks up to two days early, up to 4% APY, fee-free overdraft, money management tools and insights, fee-free ATMs, no fee crypto trading, a cash back rewards system and family banking.
Why Work With Us
We turn ideas into reality. We're leaders beyond our titles and experience. Focused on our rapid growth, we're a social team with diverse backgrounds and perspectives that celebrates our successes together. At Current, we all make an impact. Above all, we’re committed to our mission and dedicated to being a part of building something great.
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