Resume Posting - Doug Desautell
DOUG DESAUTELL
Palm Beach, FL | 508-507-0500 | douglasdesautell@gmail.com
Director of Risk & Fraud | Fintech | Payments | Alternative Lending
Risk and compliance leader with 10+ years directing real-time transaction monitoring, AI-driven fraud detection, PCI DSS, and
enterprise risk & compliance frameworks across fintech, payments, and alternative lending. Track record of building risk
functions from zero, leading compliance and risk teams from the ground up, and designing automated systems that have
saved $4M+ in losses. Combines deep operational expertise with strategic vision—equally effective presenting risk roadmaps
to Board committees and personally reviewing complex high-risk transactions. Advised and supported company-wide
compliance work involving FinCEN, FINRA, NACHA, and the CFPB, with the same standard of rigor used for Board-level risk
reviews.
PROFESSIONAL EXPERIENCE
SablePay — Remote, May 2026 – Present
Director of Partner Strategy, Risk & Compliance (Fractional/Advisory, part-time)
Stablecoin-Native Payments Infrastructure | Founded by Former Visa SVPs
• Advise the company on risk, compliance positioning, and partner vetting as it scales stablecoin acceptance across online,
in-person, and agentic commerce channels.
• Help design the risk and compliance framework partners will be held to — wallets, acquirers, PSPs, ISOs, and banking
relationships — so onboarding stays institutional-grade as volume grows.
• Act as a senior resource on high-risk partner reviews and control design while the full-time team is still being built.
Paynote — Miami, FL July 2026 – September 2026
Director of Risk & Compliance
• Joined a pre-launch startup payments company to build risk and compliance infrastructure with no existing compliance
program; authored and published 20+ policies to prepare the organization for launch.
• Prepped the company for a PCI DSS Level 1 compliance audit, coordinating security controls and documentation across
the organization.
• Overhauled underwriting workflows and automated key decisioning processes using AI, improving speed and consistency.
• Led selection of the company's PCI and SOC audit vendors, along with its broader compliance and risk vendor stack, to
support the program going forward.
RevSpring (formerly SphereCommerce) — Palm Beach, FL February 2025 – July 2026
Risk & Compliance Manager
Reporting to Chief Compliance Officer
• Owned GRC and compliance operations for high-velocity payments platform.
• Helped overhaul and restructure the third party risk program for the entire business.
• Stood up and designed an entirely new business continuity program; worked with stakeholders to run quarterly and
annual tests and created policies to match regulator’s requirements.
• Assisted with HITRUST and PCI audits, working closely with third party auditors.
FlexShopper — Boca Raton, FL May 2024 – December 2024
Portfolio Risk Manager — Strategic Underwriting & Credit Risk Lead
Reporting to Chief Risk Officer | Fintech Lending | Fraud & Underwriting Operations
• Built and led 5-analyst fraud and underwriting operations team from zero; established hiring, onboarding, daily fraud
review cadences, pattern analytics, and KPI dashboards.
• Developed proprietary fraud + credit risk scoring model that reduced non-payment losses 20% ($30K/month) and surfaced
emerging fraud patterns in lease-to-own portfolio.
• Partnered with Product, Data, Engineering, and Legal to integrate open banking data; achieved 90% faster decisioning
while hardening fraud rules, velocity checks, and risk controls.
• Personally reviewed and approved complex high-risk transactions, balancing aggressive growth targets with disciplined
loss prevention.
eToro — Palm Beach, FL February 2022 – April 2024
Payments Manager — Fraud & Risk Operations
Reporting to US Head of Operations
• Scaled fraud and risk underwriting for high-volume payments platform; optimized automated scoring, fraud filters, and
approval workflows to lift safe success rates 15% and generate $1.2M incremental revenue.
• Point person for preparing for audits and compliance projects working with FinCEN, FINRA, NACHA, and the CFPB to
maintain company-wide compliance and regulatory good standing.
• Led $50M acquisition risk and compliance integration; aligned global fraud monitoring rules, KYC standards, and
underwriting policies across entities.
• Negotiated and deployed advanced fraud detection infrastructure reducing losses 42% ($500K+ annual savings).
BlueSnap — Boston, MA 2018 – 2022
Senior Payments Analyst & Risk Underwriter — Lead Underwriting
Promoted to Lead | Reporting to SVP Compliance & Risk
• Led onboarding and underwriting team; accelerated approval velocity 30% while lowering chargeback ratio 25% through
data-driven automated fraud rules and risk scoring.
• Served as senior approver for complex and high-risk transactions; authored standardized fraud-prevention frameworks
adopted company-wide.
Citizens Bank — Boston, MA 2017 – 2018
Fraud Operations Specialist | Interim Team Lead
National Fraud & Compliance Operations
• Designed real-time commercial credit fraud risk rules; became foundational for automated decisioning protocols.
• Received 3 Credo Awards including Credo Champion (highest recognition at Citizens Bank — 1 of 275 selected from
thousands of nominees).
EDUCATION & CERTIFICATIONS
Eastern Nazarene College — B.A., Criminal Justice | B.A., History | Honors Scholar
FINRA SIE — Security Industry Essentials, 2023
CORE COMPETENCIES
Real-Time Transaction Monitoring · AI-Driven Fraud Detection & Rules Engines · Chargeback Reduction & Recovery · KYC/AML
Controls · Risk Scoring Models (Fraud + Credit) · Automated Decisioning Systems · Underwriting & Portfolio Risk · Alternative
Lending (Lease-to-Own, MCA, Gig Funding) · Loss Mitigation & Fraud Analytics · M&A Risk Integration · Team Building &
Operations Leadership · Board & Executive Communication · SQL · Tableau · Open Banking Integrations · Sift · Kount · PCI DSS ·
NACHA