Maxim Spivakovsky is Senior Director of Global Payments Risk Management at SoFi Tech Solutions, where he leads enterprise fraud prevention, risk decisioning, and payments integrity across a global platform powering top fintechs, banks, and brands.

With over 15 years of experience across payments, AI/ML, and financial crimes compliance, Maxim is a recognized thought leader advocating for the industry’s transition from static detection to predictive, AI-driven risk intelligence—frequently contributing to PYMNTS, SC Media, and Payments Dive.

Prior to SoFi Tech Solutions, Maxim served as VP at Goldman Sachs, where he built the fraud risk framework for Wealth Management and led fraud strategy for the Apple Card launch. At American Express, he pioneered the industry’s first alternative payments Instant Customer Notification system and drove multi-million-dollar fraud reductions using machine learning. Maxim delivers deep, battle-tested expertise at the intersection of financial innovation and trust.