❔ Why we’re here

Scams are horrible for humans, and also very hard for machines to spot. Unlike every other type of fraud, there’s no stolen account behaviour that can be spotted, instead the sender of the transaction is willingly sending their money. Think of the classic impersonation ”I’m your CEO, send me money now” or the illusion of too-good-to-be-true Taylor Swift tickets. The sender’s bank can do all the verification in the world, but the issue is with the person the bank can’t see: the other side of the transaction.

Scams accounted for 40% of all financial crime in the UK ($10 billion of losses reported in the US to the SEC). And they are growing massively. AI is a bazooka for every fraudster (not just deepfakes but the efficiency and volume that can be generated). But so is the proliferation of real-time payments: an amazing tool for financial inclusion & economic growth, but — unlike the cards world — with none of the protections of disputes or chargebacks.

At Tunic Pay we are building the governance layer for real-time payments. We begin with the Intelligence Interchange, providing typology-specific fields on the other side of the transaction. Our solution provides data pipes (not just scores) for both in- and out-of-network participants. Some people have called us the 3DSecure of the real-time payments world, but at our core we are building the network for both step-ups and passive data-sharing.

Now is a foundational time to join, so check out open roles below ↓

🥍 Our team

We are a super early fintech startup, and super-ambitious. To give you a sense of just how early, we started the business a year ago and closed our seed round last November 💡. There’s a ton of exciting challenges we need to tackle, from integrating diverse data about participants in the payments network, to developing the next generation of security & privacy-protecting protocols, to crafting delightful experiences that drive conversion through our consumer-facing touchpoints. And as if that’s not hard enough, we are working with some of our customers’ most sensitive data and need to deliver 24/7/365 uptime 🧤. Our goals are almost ludicrously challenging, but scams have to be solved, and we think we’re the team to do it 🦸‍♀️.

We were founded by second time founders who have built their careers in fintech: Nicky previously co-founded Nova Credit, helping immigrants access credit. She’s served millions of immigrants, raised over $130M, and built a team of 100+ people across three continents. And Nico (co-founder) spent the last 4 years as CEO of Casai, LatAm’s largest short-term rental operator with almost 2k apartments in 🇲🇽 and 🇧🇷, where he raised over $50M, and served >100k guests. The two met over a decade ago when Nico worked at Nova Credit, and their strength of partnership shines in making the business collaborative.

Nicky & Nico in the early, pre-headshot days

The founders have been joined by an amazing team of fraud fighters — bringing in diverse experiences in cybersecurity, payments infrastructure, fraud, banking and beyond.

🥋 Roles

Here are a few of our open roles! We believe in strong in-person collaboration so are requiring 3+ days a week jamming together in our London office in Farringdon. Our benefits include a Bupa healthcare plan, and access to Maya’s sister’s Aesop discount.

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<aside> 💡 No open position for you? If you resonate with our mission and think your profile would be a great fit, send an email to [email protected] and pass along any information you believe is relevant.

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