Financial technology
10 payments risk leaders at fintechs
These ten current and former payments risk leaders have headed risk, fraud and credit risk functions at fintech companies. A reader can learn how fintechs approach payments risk from people who have led it.
Professionals to explore
01—10Anisha Sudra
LinkedInExperience: Head of Fraud · Trustly
Former Head of Fraud at Trustly (2024–2025) and Head of Fraud Risk at Revolut since 2025, based in the United Kingdom. She also held fraud lead roles at Klarna (2021–2024), including Fraud Detection Global Lead. The profile says she has led global fraud detection with first and second line of defence experience.
Iain Craig
LinkedInExperience: Chief Risk Officer UK · PayPal
Chief Risk Officer UK at PayPal since 2025, based in London. His other PayPal roles were Sr Director, Global Holistic Onboarding, Underwriting, Review & Global Seller Risk Strategy (2023–2025) and Director of Payment Risk Oversight (2021–2023). He was earlier Chief Risk & Compliance Officer at Cashflows and Group Chief Risk & Compliance Officer at OpenPayd.
Marika Lõhmus Causer
LinkedInExperience: Head of Fraud and Payments · Cleo
Former Head of Fraud and Payments at Cleo (2022–2024) and Product Director of Risk and Payments at Cleo since 2024, based in Glasgow. Before Cleo she was Product Growth Manager - Account Integrity (Fake and Compromised Accounts) and Program Manager, Risk Product Strategy at Meta (2018–2020).
Raveesh Soni
LinkedInExperience: Head of Credit and Fraud Strategy US · Revolut
Head of Credit and Fraud Strategy US at Revolut since 2021, based in New York, where the profile says he heads credit and fraud risk strategy for Revolut products. He previously held risk management roles at American Express (2013–2021), most recently Director Risk Management- Credit and Fraud Risk.
Rupak Mohapatra
LinkedInExperience: Head Of Risk, Merchant Services · Payoneer
Head Of Risk, Merchant Services at Payoneer since 2021, based in Singapore, where the profile says he manages and scales risk operations. He was earlier Risk Manager - New Ventures, Grab Financial Group at Grab (2020–2021), Fraud Manager at Thales Cyber and Digital (2018–2020) and Director Operations (Fraud, Chargeback and Client Support) at American Express.
Sheryl Pinto
LinkedInExperience: Head of Fraud Risk · Cardless
Head of Fraud Risk at Cardless since 2026, based in the San Francisco Bay Area. She was earlier Global Head Risk Partnerships at Stripe (2024–2025) and Vice President - Head of Installment Payments at Visa (2017–2021), and the profile also lists a role as Head of Global Fraud Prevention at Klarna.
Simon Gotsch
LinkedInExperience: Global Chief Risk Officer · PayU
Former Global Chief Risk Officer at PayU (2018–2024), where he also sat on the Supervisory Board of PayU S.A. Poland (2020–2023). Since 2025 he has been Chief Risk Officer at Addi. He was earlier Vice President Risk Management at N26 (2016–2017), and the profile lists him as Co-Founder and MD of AGYT since 2024.
Tom Olk
LinkedInExperience: Head of Fraud & Identity, North America & Emerging Markets - Payments Risk · Zip Co
Former Head of Fraud & Identity, North America & Emerging Markets - Payments Risk at Zip Co (2019–2022), then Head of Risk at Grover (2022–2024) and Head of Risk and Business Operations at GrailPay since 2024. The profile describes credit, fraud and identity risk management across subscription, marketplace, payments and disbursement platforms.
Xiancheng Han
LinkedInExperience: Senior Director, Data Science, Head of Global Risk and Operations Intelligence · PayPal
Former Senior Director, Data Science, Head of Global Risk and Operations Intelligence at PayPal (2022–2025) and Director, Data Science, Global Fraud Risk at PayPal (2021–2022). Since 2025 he has been Global Head of Risk at OKX. The profile describes using data science and machine learning in global risk and operations management.
Yvonne Tang
LinkedInExperience: Head of Afterpay Fraud and Merchant Risk Strategy · Block
Head of Afterpay Fraud and Merchant Risk Strategy at Block since 2024, where the profile says she leads global risk strategy for Afterpay. Earlier roles include Product Lead, Payment Risk at OKX (2022–2024), Merchant Risk Manager at Afterpay (2021–2022) and Lead Risk Analyst at eBay (2020–2021) and PayPal (2016–2020).
Choose the right perspective
Match the person's business model to your question, since merchant acquiring, consumer lending, buy now pay later and card issuing carry different fraud and credit risks. Consider region too, since fraud patterns and rules in one market may not carry over to another.
Questions to take into the conversation
- 01How do fintech risk teams balance fraud losses against approval rates and customer friction?
- 02What does a fraud function need to have in place as a payments company enters a new market?
- 03How is work split between risk strategy, operations and data science in a fintech risk team?
Reaching payments risk leaders at fintechs
How can I contact one of these payments risk leaders at fintechs?
Pick one of the 10 people on this page and choose "Book a paid call", or describe your project to find others. You offer a fee for a 15-minute call or a written answer, Instant Expert finds the person's work email and sends the invitation, and they decide whether to accept. The list covers 9 companies, including Trustly, PayPal and Cleo, based on profile data retrieved on October 9, 2026. Being listed here doesn't mean someone has agreed to take calls.
How much does it cost to reach payments risk leaders at fintechs?
You choose the offer, starting at $5 per person. It includes Instant Expert's 20% fee, so an offer that pays the person $100 costs you $125. You're charged only when the person books the call or sends the answer.
What if they don't reply?
You pay nothing. Instant Expert sends follow-up reminders, and if the person hasn't booked or answered within 7 days, the request expires and any hold on your card is released. You can invite several of the 10 people on this list at once and cap your total spend, so you pay only for the ones who accept.
Can an AI agent ask one of these payments risk leaders at fintechs a question?
Yes. An agent with a USDC wallet on Base can ask one question without an Instant Expert account. It names the person, for example by the LinkedIn URL on this page, and pays per ask over x402 (HTTP 402). The person answers in writing or by voice note, and if nobody answers within 7 days, the payment goes back to the wallet automatically. x402 docs
About this directory
This is a professional research starting point based on business profile data retrieved on . Titles and companies reflect that source snapshot and may describe past or present roles. Check the linked profiles for current details. Inclusion does not imply Instant Expert membership or availability.
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