ClarityMD
About Us We're one of the fastest-growing subscription eCommerce brands in health & wellness, processing millions of dollars per month across Stripe, Adyen, Checkout.com, Airwallex and multiple acquiring partners. Payments are the single biggest lever in this business. Every 1% of approval rate is meaningful revenue. That makes this one of the highest-impact roles in the company — and it reports directly to the CEO. The Role We'll be direct with you, because the people we want will recognise this situation immediately. Our approval rates are low across every processor — not one. That told us it isn't a routing problem or a checkout problem. We've already done the diagnosis. Our fraud reporting rate is above our acquirer's threshold, and a six-figure reserve is currently being held against us. The approval rate is the symptom. The disputes are the cause. We don't need someone to find the problem. We need someone to own the remediation — and we've built the fix list already. The role in one sentence: Own the full chain from customer experience → fraud reports → issuer trust → approval rates, and hold our processors and banks accountable for performance. If your instinct on reading that was " yes, and here's where I'd start " — we should talk. Key Responsibilities What You'll Own1. Dispute & Fraud Reduction — our top priority Bring the fraud reporting rate below our acquirer's threshold and get the reserve released Own TC40 / SAFE reporting, dispute ratios, chargeback ratios and refund rates Manage our exposure to network monitoring programmes — VAMP, ECM, EFM Trace fraud reports back to source: customer service, fulfilment communications, descriptors, offer design Deploy pre-dispute deflection — Ethoca, Verifi, RDR 2. Acquirer & Network Risk Relationships Hold direct escalation lines into acquiring bank risk, underwriting and network risk teams Negotiate reserve terms, thresholds and remediation plans Hold processors and banks accountable for performance — with data, not conversations 3. Authorization Performance Own approval rates across every processor Monitor by processor, MID, BIN, issuer, network, card type, country, device and traffic source Investigate Issuer Suspected Fraud, Do Not Honor, generic declines, soft vs hard declines, velocity declines Rebuild issuer trust and materially lift authorization performance 4. Payment Infrastructure & Orchestration Multi-MID strategy, gateway allocation, smart routing, cascades, retry logic, failover logic Intelligent decline mapping — which codes retry, which cascade, which hard stop Hands-on ownership of our payment logic inside Checkout Champ, including ATRI gateway allocation Processing cost optimization, reserve management, capacity planning Balance approval recovery against MID health, always 5. MID Health Chargeback ratios, fraud ratios, refund rates, MID capacity, reserve exposure Gateway utilization, volume allocation, descriptor performance, network monitoring status Maximize approvals while keeping every MID healthy and scalable 6. Cross-Functional Authority You'll have authority across customer service, fulfilment communications and offer design Most fraud reports originate outside the payments stack. You'll have the mandate to fix them at source 7. Vendor Accountability Reconcile every provider's reporting against acquirer data Challenge discrepancies. We don't accept processor-supplied numbers at face value 8. Data & Leadership Reporting Build the analysis yourself. This is not a role where you request numbers from another team Dashboards covering approval rates, decline reasons, fraud and dispute ratios, processor/issuer/BIN/network performance, cost per approval, processing fees, reserve forecasting and MID capacity Present recommendations directly to the CEO What You Must Have These five are non-negotiable: Direct relationships with acquiring banks and processor risk teams. Our problems get solved by phone calls to the right people, not by software settings. You've taken a merchant through a network monitoring programme — VAMP, ECM, EFM — or an acquirer risk escalation. This is exactly our situation. Someone who hasn't lived it won't recognise it. Card-not-present, high-risk, subscription billing background. Our vertical behaves nothing like standard retail eCommerce. You understand dispute and fraud reporting, not just authorization. Our approval rate is a symptom. Disputes are the cause. You're hands-on with the data. You build the analysis yourself. Also required Enterprise processor experience — Stripe, Adyen, , Airwallex or equivalent, at 8–9 figure processing volume on tier-1 MIDs Multiple MIDs managed simultaneously Routing strategies, gateway waterfalls, cascades, retry and failover logic Subscription payment optimization — MIT vs CIT, stored credentials, rebills, dunning Hands-on configuration inside Checkout Champ, Konnektive or a comparable orchestration platform Specific before/after numbers on both approval rates and dispute ratios Backgrounds We're Actively Looking For You don't need to have held this exact title. We're interested in: High-risk payment consultants and ISOs who advise merchants like us — including those who prefer fractional or advisory arrangements Payments leads inside direct-response subscription brands — supplements, nutra, health, beauty, continuity billing Former processor and acquirer staff — risk, underwriting or authorization optimization teams at Adyen, Stripe, , Worldpay, Nuvei, Fiserv and similar Chargeback and dispute specialists — from Verifi, Ethoca, Midigator, Chargebacks911 or comparable businesses Risk team operators at fintechs, PSPs and PayFacs with card-not-present ecommerce depth We're hiring globally. Location doesn't matter to us — overlap with EST core hours does. Highly Desirable Live contacts inside Stripe, Adyen, , Airwallex, Worldpay, Nuvei, Fiserv, Chase Paymentech or other enterprise processors and acquirers Relationships with enterprise account managers, authorization specialists, payments performance teams and technical support engineers Deep fluency in network tokens, Adaptive Acceptance, Account Updater, stored credential frameworks, Merchant Advice Codes, Visa & Mastercard network rules, AVS/CVC optimization, 3DS strategy, authorization messaging, BIN and issuer analysis Experience with Shopify and Konnektive alongside Checkout Champ Experience supporting infrastructure at hundreds of millions in annual processing Your First 90 Days 1. Get the reserve released . Diagnose where our fraud reports originate, implement deflection and prevention across the customer journey, negotiate a remediation plan with our acquirer, and bring us back under threshold. 2. Lift approval rates by 10%. Rebuild issuer trust, audit the full payment stack, review payloads and processor configurations, and work directly with processors and issuing banks. 3. Build the infrastructure and the visibility. Smarter routing, cascades, retry logic and decline mapping — plus dashboards that give leadership complete visibility into payment performance and MID health. Who This Role Is Not For We'd rather be honest up front than waste your time: Someone who has managed processor relationships but never built infrastructure Someone who believes low approvals are always fixed with routing and retries Someone who treats fraud and disputes as another team's job A generalist eCommerce operations manager Anyone who needs to ask another team to pull the data How To Apply Tell us about one payment problem you diagnosed and fixed — with the numbers. We know how rare this skill set is. There are only a handful of people in the market with genuine depth here, and it takes roughly a decade to build. If that's you, we'll move quickly, we'll pay accordingly, and you'll have direct access to the CEO and the authority to fix the problem properly. We're also open to conversations with senior consultants who'd prefer a defined engagement rather than a permanent role. If that's your preference, say so in your application. Pay: Php188,013.00 - Php313,355.00 per month Benefits Flexible schedule Work from home Work Location: Remote
ClarityMD
