Richemont Payment Risk and Optimization Manager

About Richemont

Richemont is one of the world’s foremost luxury groups, stewarding a distinguished portfolio of maisons across jewellery, watchmaking, fashion and accessories, including Cartier, Van Cleef & Arpels, Jaeger-LeCoultre and Montblanc. As an employer, it combines the heritage of artisanal excellence with a forward-looking culture shaped by innovation, client-centricity and responsible business. Its global teams operate in an environment that values craftsmanship, entrepreneurship and collaboration, offering opportunities to grow within iconic maisons and group functions alike. Richemont attracts professionals who aspire to contribute to enduring luxury, preserving rare savoir-faire while helping define the future of high craftsmanship.

Richemont seeks a Payment Risk and Optimization Manager to lead B2C payment-funnel strategy, fraud governance, and commercial optimization across its Maisons in the Americas. The role is based in Shelton, Connecticut, reports to the VP of Retail Finance, Americas, and includes domestic and international travel of approximately 10%; it is full-time.

Role & Responsibilities

• Define, lead, and execute the B2C payment-funnel and risk optimization strategy across Richemont Maisons.
• Identify friction points across the B2C payment funnel, from authentication through authorization, across all omnichannel B2C channels.
• Partner with the Customer Payment Services (CPS) team, Maisons, Finance, and Technology teams to improve payment acceptance while maintaining robust fraud prevention.
• Lead strategy, optimization, and contract and performance management for key fraud vendors, including Forter and Adyen Revenue Protect, across B2C channels and Maisons.
• Establish oversight and guidelines to mitigate machine-learning bias in automated fraud decisioning tools and ensure fair, compliant, and accurate outcomes across client segments.
• Set targets to keep automated decisioning above 98%, minimizing manual-review friction while protecting client experience and net revenue.
• Oversee chargeback, dispute, and lost or missing parcel processes end to end; define policy guidelines and monitor Visa, Mastercard, and American Express threshold compliance to mitigate financial losses and program penalties.
• Establish KPIs and OKRs covering prevented fraud, missed fraud, false decline rates, and net revenue impact.
• Manage performance across the B2C payment funnel’s authentication, authorization, and conversion pillars.
• Engage strategic payment service providers, card schemes, and issuing banks to address underperforming issuers, reduce false declines, and optimize authorization rates.
• Lead cross-functional strategy for 3D Secure and SCA, identifying regional checkout friction and implementing frictionless authentication flows.
• Partner with Maison E-Commerce Directors and Commercial Leaders to translate payment data into recommendations that increase approval rates and improve luxury client satisfaction.
• Serve as the senior subject matter expert and primary escalation point for regional Maison leadership, Retail Directors, Finance, Legal, and Security on B2C payment risk and optimization.
• Review risk and payment performance metrics across channels, turning data into actionable insights to reduce customer friction, improve the end-to-end client journey, and reduce fraud.
• Champion a shift across Maisons from a fraud-blocking mindset to a revenue-maximizing, client-centric payment optimization approach.
• Coordinate regional B2C payment and risk data initiatives, business alignment, and support for regional business needs.

Qualifications

• Bachelor’s degree or an equivalent combination of education and relevant experience.
• At least 7 years of progressive experience in digital anti-fraud, payment risk, fraud investigations, payment optimization, or a related discipline; retail and/or luxury experience strongly preferred.
• Demonstrated experience leading regional or enterprise-level fraud and payment programs and managing complex cross-functional initiatives.
• Knowledge of card-network rules, chargebacks, payment processing, and fraud controls.
• Professional anti-fraud certification, such as MRC or Fraud Practice certification, strongly preferred.
• Experience with external payment and anti-fraud solution providers is a plus.
• Strong analytical, data-oriented approach and experience with reporting and fraud-management systems.
• Experience with fraud rules, model tuning, risk matrices, order-management systems, and payment optimization.
• Proficiency in statistical analysis and ability to explain results to non-technical audiences.
• Proficiency with Microsoft Office, database/CRM tools, and Looker, including dashboard and visualization development.
• Strong relationship-building, communication, influencing, and stakeholder-management skills.
• Ability to manage ambiguity, adapt to change, and work effectively in a fast-changing environment.
• Excellent verbal, written, and presentation skills.
• Fluent English.
• Ability to travel domestically and internationally approximately 10%.

Skills

Experience

At least 7 years of progressive experience in digital anti-fraud, payment risk, fraud investigations, payment optimization, or a related discipline.

Education

Bachelor’s degree or equivalent combination of education and relevant experience.

Workplace

Compensation

The base compensation for this position ranges from USD 115,000 to USD 136,000 per annum.

Benefits

Medical, dental, and vision programs; health savings and flexible spending accounts; life insurance; disability benefits; 401(k) with employer match; paid time off; wellness reimbursement; employee assistance program; volunteer days off.

Culture

Richemont fosters a refined, international workplace where its Maisons preserve exceptional craftsmanship while benefiting from the strength and perspective of a global luxury group. As an employer, it values long-term stewardship, collaboration, innovation, and the development of talent within an environment shaped by heritage, creativity, and high standards.

About Cerulean

Cerulean is the definitive career portal for the global luxury industry. We match exceptional professionals with exclusive opportunities at the world's most prestigious brands. From haute couture and fine watchmaking to prestige beauty, hospitality, and boutique retail, Cerulean centralises luxury employment to help you find the career for which you were destined.