Jobs in United States

Head Of Risk in San Francisco

82 active opportunities · Updated October 2026

Explore current head of risk jobs in San Francisco. Filter by work mode, employment type, experience, department, date posted and distance.

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📍 San Francisco, CA, United States
✓ Quality checkedCompany trend -90.5%

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role: Positioned in the first line of defense (1LOD) and reporting to the Head of Business Controls, this experienced executive will act as the Business Controls Lead for SoFi’s Technology and Cybersecurity organizations. This includes comprehensive coverage of Engineering, Information Security, Infrastructure, and Data across the full SoFi Legal structure: SoFi Inc., SoFi Bank, Galileo, Technisys, and SoFi Hong Kong. The Business Controls Lead will act as the direct advisor to the Chief Technology Officer (CTO), Chief Information Security Officer (CISO), and their senior leadership teams. You will lead a team of experienced IT risk & controls team charged with promoting risk awareness and ensure the overall effectiveness of risk and compliance management program implementation and execution across the 1LOD. This role provides support, advisory services, and enables strategic alignment directly to department heads to accelerate and ensure quality execution. You will be responsible for supporting and driving consistent 1LOD adherence to critical programs, such as building and maintaining risk and control self-assessments (RCSAs); identification and evaluation of control effectiveness through control testing; 1LOD risk reporting; and supporting audits and regulatory exams. You will monitor the first l

AIFinanceSupply Chain
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📍 San Francisco, California, United States· Full-time· Remote
✓ High-confidence listingCompany trend -80.2%
Quick readStrong listing-quality and freshness signals

About the Role We are seeking a senior Treasury Markets leader to build and lead OpenAI's investment management, FX, interest rate risk management, and debt markets capabilities. This role will own corporate liquidity investment strategy, global currency risk, rate exposure, and the design of market-risk programs across rates, FX, liquidity, counterparty, and other Treasury exposures. The ideal candidate combines CFA-level investment discipline, hands-on derivatives and capital markets execution, strong tax and accounting fluency, and exceptional executive communication. They should be able to translate complex market, hedge, liquidity, capital structure, credit market, rating agency, tax, accounting, risk, and governance topics into crisp executive-ready recommendations, decision memos, and Board-level materials. In this role, your responsibility will include: Investment Management Own investment strategy for corporate cash and liquidity portfolios, balancing capital preservation, liquidity, yield, diversification, counterparty risk, accounting, tax, and regulatory considerations. Lead portfolio construction, investment policy governance, risk monitoring, performance reporting, manager/counterparty oversight, and compliance for corporate investment portfolios. Maintain market intelligence on rates, credit, liquidity markets, fixed income products, external manager performance, and emerging portfolio risks. FX & Cash Flow Hedging Design and operate FX balance sheet and cash flow hedging programs that align exposure management, hedge objectives, accounting treatment, tax considerations, controls, and business needs. Manage FX and derivatives activity across global operations, including exposure analytics, hedge strategy, trade execution, counterparty management, effectiveness tracking, and reporting. Partner deeply with Accounting, Tax, FP&A, Legal, and business leaders to improve exposure visibility and ensure hedge programs are operationally controlled and

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📍 San Francisco, California, United States· Full-time
✓ High-confidence listingCompany trend -93.7%

$207.7K – $281K/yr

Quick readStrong listing-quality and freshness signals

Drata is building the trust layer between great companies - automating compliance, managing risk, and helping organizations prove trust continuously as they scale. We're Dratanauts: a global crew of 600+ professionals united by a culture that rewards integrity, ownership, and raising the bar, no matter where in the world we're working from. Why Join the Drata Team? At Drata, you're not maintaining legacy compliance software - you're building the agentic AI platform defining what trust looks like for the next generation of companies. Here's what makes the work itself worth showing up for: Problems without a playbook: You'll work at the edge of AI and security, building agentic governance, continuous compliance, and real-time trust verification to solve problems that don't have an established answer yet. You're writing it as you go. Real ownership, not just process: Our values center on owning outcomes and raising the bar, not checking boxes. You're expected to have opinions and back them. A seat at the table: Your perspective is unique and valued. Open debate and diverse viewpoints are built into how decisions actually get made here, at every level. Growth at rocketship speed: Drata is scaling fast, which means scope grows fast too. High performers get more ownership, visibility, and experience. A crew, not just coworkers: Dratanauts consistently describe a "come as you are" culture with sharp, curious people—the kind of team that makes hard problems genuinely fun to solve. See what they say here and follow us on LinkedIn for company news, employee stories, and career updates. Job Summary: Drata is looking for a Head of Product, Assurance to lead product strategy, execution, and team development for significant product lines at Drata – Trust Center & AI Questionnaire Assistance. This is a high-impact leadership role with end-to-end ownership of product vision, roadmap, customer outcomes, and business performance for a core area of the company. You will partner cl

RestAIGoRust
D
📍 San Francisco, California, United States· Full-time
✓ High-confidence listingCompany trend -93.7%

$207.7K – $281K/yr

Quick readStrong listing-quality and freshness signals

Drata is building the trust layer between great companies - automating compliance, managing risk, and helping organizations prove trust continuously as they scale. We're Dratanauts: a global crew of 600+ professionals united by a culture that rewards integrity, ownership, and raising the bar, no matter where in the world we're working from. Why Join the Drata Team? At Drata, you're not maintaining legacy compliance software - you're building the agentic AI platform defining what trust looks like for the next generation of companies. Here's what makes the work itself worth showing up for: Problems without a playbook: You'll work at the edge of AI and security, building agentic governance, continuous compliance, and real-time trust verification to solve problems that don't have an established answer yet. You're writing it as you go. Real ownership, not just process: Our values center on owning outcomes and raising the bar, not checking boxes. You're expected to have opinions and back them. A seat at the table: Your perspective is unique and valued. Open debate and diverse viewpoints are built into how decisions actually get made here, at every level. Growth at rocketship speed: Drata is scaling fast, which means scope grows fast too. High performers get more ownership, visibility, and experience. A crew, not just coworkers: Dratanauts consistently describe a "come as you are" culture with sharp, curious people—the kind of team that makes hard problems genuinely fun to solve. See what they say here and follow us on LinkedIn for company news, employee stories, and career updates. Job Summary: We are looking for a Head of Pricing to own pricing and packaging at one of the most consequential moments in Drata's history. The software industry is in the middle of a generational shift, from products built around human users to products built around AI agents that do work end-to-end. The commercial models that powered SaaS for the last fifteen years were built for a world wher

RestAIGoRust
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📍 San Francisco, California, United States· Full-time· Remote
✓ High-confidence listingCompany trend -80.2%
Quick readStrong listing-quality and freshness signals

About the Role As Head of Finance - Data Centers, you will be the finance leader for OpenAI’s self-built data center efforts. You will partner with teams across infrastructure, real estate, energy, construction, procurement, and finance to turn proposed sites into sound investment decisions and funded projects. This role spans the full development lifecycle: evaluating opportunities, building investment cases, forecasting capital needs, managing construction budgets, and helping determine how projects should be financed. You will give leadership a clear view of project economics, funding requirements, and risks as we build data center capacity at scale. In this role, you will: Lead financial evaluation of proposed data center and related power infrastructure projects, including site economics, development costs, capacity phasing, lifecycle costs, and key risks. Build and own project-level models and capital expenditure forecasts that connect construction schedules, power delivery, equipment procurement, contingencies, and funding needs. Establish capital budgets and financial controls for active builds. Track commitments, actual spending, change orders, and forecasts to completion; identify cost or schedule risks early. Partner with development, engineering, energy, construction, and procurement leaders on decisions that affect cost, timing, and long-term performance. Work with Treasury, Corporate Finance, Tax, and Legal to evaluate financing options, including project or construction debt, leases, joint ventures, and other partnership structures where appropriate. Prepare investment recommendations and capital approval materials for senior leadership, translating complex project details into clear choices and tradeoffs. Build a consistent portfolio view of project costs, cash requirements, milestones, and financial performance. Partner with Accounting and operations teams through project completion and handoff. You might thrive in this role if you have: Prior exper

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B
📍 San Francisco, California, United States
✓ High-confidence listing

$270K – $335K/yr

Quick readStrong listing-quality and freshness signals

Why join us Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek. Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career. Legal at Brex The Legal team helps the company grow responsibly, advocating for Brex and for the thousands of growing businesses we serve. We provide strategic advice and guidance to all Brex teams, protect Brex, advise on risk, and represent the company externally, negotiating with partners and interacting with regulators. Reimagining the financial system in a highly regulated environment requires creativity and resourcefulness, and we welcome the challenge. Where you’ll work This role will be based in our San Francisco office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work! What you'll do Reporting to the General Counsel, you will lead Brex's Regulatory

AIAccountingFinanceLogistics
O
📍 San Francisco, California, United States· Full-time· Remote
✓ High-confidence listingCompany trend -80.2%
Quick readStrong listing-quality and freshness signals

About the Team: We are a small and fast-moving partnerships team that shapes and executes OpenAI’s most important collaborations. Your mission is to identify, structure, and scale partnerships that expand how businesses adopt and benefit from OpenAI. You will work across priority sectors, including legal, professional services, information services, and other B2B categories, while maintaining the flexibility to pursue the highest-impact opportunities as the market evolves. About the Role: You are a senior business development and partnerships leader with strong judgment, high ownership, and a track record of originating and closing complex partnerships. You can move from market strategy and executive engagement through deal development, launch, and growth. You combine strategic thinking, commercial discipline, and hands-on execution, and you can create clarity and momentum across multiple internal and external stakeholders. Key Responsibilities: Develop a portfolio strategy for high-impact B2B partnerships. Identify and prioritize partners based on customer reach, differentiated data or workflows, distribution, strategic value, and growth potential. Originate, structure, negotiate, and launch complex product and commercial partnerships. Build joint value propositions and business plans spanning integration, distribution, go-to-market, and customer adoption. Lead executive relationships and establish durable cross-functional partnership governance. Coordinate product, engineering, sales, marketing, legal, finance, security, policy, and operations to deliver partnership outcomes. Translate partner and market insight into product strategy and new partnership models. Track adoption, pipeline, revenue impact, strategic milestones, and partner performance, and communicate progress and risks clearly. Qualifications: 10+ years of experience in strategic partnerships, business development, enterprise technology, or platform ecosystems. Proven experience personally originatin

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📍 San Francisco, California, United States· Full-time
✓ Quality checkedCompany trend -72.3%

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. We are hiring for a leader for the newly forming Detection and Response team at Plaid. Our mission is to protect Plaid's financial infrastructure by detecting and responding to suspicious activity across the company. We are responsible for the entire lifecycle of detection and response, including detection infrastructure, AI triage and response, investigation tooling, Red Teaming, and Fraud Operations. Security is foundational to the trust thousands of businesses and millions of consumers place in Plaid, and we work directly to reduce risks and enable our business to move faster and safer. As the Head of Detection and Response, you will be the founding leader responsible for standing up and evaluating Plaid's detection and response team. You will lead a specialized technical team of analysts and engineers, gain deep experience partnering with the CISO and cross-functional engineering leaders, and build critical security infrastructure at scale. This is a unique leadership opportunity to manage a team that encompasses traditional security operations alongside Red Teaming and Fraud Operations, directly impacting Plaid's security posture and long-term stability. Responsibilities: Form and set up Plaid’

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📍 San Francisco, California, United States· Full-time
✓ High-confidence listingCompany trend -100%
Quick readStrong listing-quality and freshness signals

Who Are We? Postman is the world’s leading API platform, used by more than 45 million+ developers and 500,000 organizations, including 98% of the Fortune 500. Postman is helping developers and professionals across the globe build the API-first world by simplifying each step of the API lifecycle and streamlining collaboration—enabling users to create better APIs, faster. The company is headquartered in San Francisco and has offices in Boston, New York, Austin, Tokyo, London, and Bangalore - where Postman was founded. Postman is privately held, with funding from Battery Ventures, BOND, Coatue, CRV, Insight Partners, and Nexus Venture Partners. Learn more at postman.com or connect with Postman on X via @getpostman. P.S: We highly recommend reading The "API-First World" graphic novel to understand the bigger picture and our vision at Postman. Head of Services & Success Operations Customer Solutions · Reports to Head of GTM Operations · San Francisco, CA (Hybrid) · Full-Time About Postman Postman is the world's leading API platform, with 45M+ developers and 500K+ organizations — including 98% of the Fortune 500. We run a dual motion: bottoms-up product-led growth and a top-down enterprise sales org. The tension between those two motions — and the opportunity to design the operating model that bridges them — is exactly what makes this role interesting. The Customer Solutions Org Customer Solutions runs four functions: Customer Success — developer-forward CSEs; technical depth over relationship management Professional Services — accelerating outcomes through repeatable, monetized programs Solutions Engineering — technical depth in the sales cycle; handoff design is part of this ops role Product Support — inbound; health signals that feed risk models This role is the operational connective tissue across all four. The CS Transformation We're Running We're moving from a traditional enterprise CS model built on relationship management and QBRs to a developer-forward motion

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📍 San Francisco, California, United States· Full-time
✓ High-confidence listingCompany trend -86%

$185K – $220K/yr

Quick readStrong listing-quality and freshness signals

Who We Are Notion is the collaborative AI workspace where teams and agents think together . We're building one place where your knowledge, projects, meetings, and AI tools live side by side, so work is faster, clearer, and less fragmented. Millions of individuals, small teams, and large companies run their work on Notion. Notinos (our employees) are customer zero in bringing this future of work to life. We care about craft, building things that last, and the belief that great work is still fundamentally human. Our goal isn’t to ship the next feature. Each and every team of Notinos is working to set the standard for how humans work together in the AI era. From building a business’s system of record to making and managing AI agents to automating away the busy work, we care deeply about giving our customers more time for their life’s work. About the Role: We are seeking a strategic and technically fluent Lead, IT Audit to join our Finance team reporting to the Head of Internal Audit. This is a broad, high-impact role spanning both IT SOX compliance and operational IT audits. You will help establish and elevate our technology controls program end to end — owning the IT SOX lifecycle, designing the IT general and application controls framework, embedding AI and automation into how we test and monitor controls, and delivering value-added operational IT and cybersecurity audits that strengthen how the company builds and runs its systems. You will partner with leaders across Engineering, Security, IT, Finance, and the business to ensure sound technology controls are built into how the company operates as we scale. This role is ideal for someone who thinks like a builder, not just an auditor — someone who can translate complex control and security requirements into practical, scalable processes in a fast-moving SaaS environment with modern cloud architecture and complex data flows. This role can be based in either San Francisco or New York City. We work from our offices on M

AWSAzureGCPCI/CD
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📍 San Francisco, CA, United States· Full-time· Remote
✓ High-confidence listingCompany trend -85.6%

From $123.7K/yr

Quick readStrong listing-quality and freshness signals

About Pinterest: Millions of people around the world come to our platform to find creative ideas, dream about new possibilities and plan for memories that will last a lifetime. At Pinterest, we’re on a mission to bring everyone the inspiration to create a life they love, and that starts with the people behind the product. Discover a career where you ignite innovation for millions, transform passion into growth opportunities, celebrate each other’s unique experiences and embrace the flexibility to do your best work. Creating a career you love? It’s Possible. At Pinterest, AI isn't just a feature, it's a powerful partner that augments our creativity and amplifies our impact, and we’re looking for candidates who are excited to be a part of that. To get a complete picture of your experience and abilities, we’ll explore your foundational skills and how you collaborate with AI. Through our interview process, what matters most is that you can always explain your approach, showing us not just what you know, but how you think. You can read more about our AI interview philosophy and how we use AI in our recruiting process here . Pinterest’s Security team (Pinfosec) is seeking an IC14 Security Engineer - Security Governance, Risk & Compliance (GRC Senior Analyst) to support and strengthen our security governance and assurance programs. This role is ideal for someone who is detail-oriented, collaborative, and motivated by building scalable security processes that help the business manage risk effectively. Reporting to the Interim Head of Security Governance, Risk & Compliance, this individual contributor will partner closely with Security, Engineering, IT, Legal, Internal Audit, and other cross-functional stakeholders to help maintain and improve Pinterest’s security control environment. The role will contribute to core GRC activities including risk management, policy governance, control testing, audit support, awareness tracking, and internal risk assessmen

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📍 San Francisco, California, United States· Full-time
✓ Quality checkedCompany trend -80.2%

About the Role We’re looking for a Competitive Intelligence Lead, a senior individual contributor reporting to the Head of Competitive Intelligence, to help operationalize and scale the company’s competitive intelligence capability. This person will own high-priority competitive analyses, executive-ready insights, and GTM enablement that help Product, Sales, Marketing, Customer Success, and leadership understand where we win, where we’re vulnerable, and how the market is evolving. This is not a traditional research role. It is a hands-on strategy role at the intersection of Product, GTM, Research, and Leadership. You will turn competitor movements, customer feedback, product data, and market signals into clear recommendations that influence roadmap decisions, positioning, pricing, sales execution, and executive decision-making. What You'll Do Partner with the Head of Competitive Intelligence to translate the company’s CI strategy into repeatable analyses, operating rhythms, executive materials, and GTM enablement. Own high-priority competitor deep dives, market landscape reviews, pricing analyses, product comparisons, Harvey Ball assessments, feature matrices, and strategic opportunity/risk assessments. Create executive-ready insights that inform product strategy, roadmap prioritization, GTM planning, pricing, and investment decisions. Develop best-in-class competitive messaging, objection handling, battlecards, and enablement content for Sales, Marketing, Customer Success, and Partnerships. Monitor competitor product launches, model releases, acquisitions, partnerships, pricing changes, funding activity, customer announcements, and GTM motions. Synthesize fast-moving and complex market information into clear implications, recommendations, and decision-ready narratives. Partner closely with Product Management to identify areas of differentiation, competitive gaps, customer pain points, and emerging opportunities. Collaborate with Marketing to sharpen positioning, me

AWSRestMachine LearningAI
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📍 San Francisco, California, United States· Full-time· Remote
✓ High-confidence listingCompany trend -80.2%
Quick readStrong listing-quality and freshness signals

About the Team OpenAI Finance helps ensure the organization is set up for success in pursuit of its mission of ensuring that artificial general intelligence benefits all of humanity. Within Finance, the Technical Revenue team partners with Product, Legal, GTM, Strategic Finance, Revenue Accounting, Finance Systems, and the company’s GTM Deal Desk organization to enable scalable, audit-ready monetization. We advise on commercial and contract design, establish defensible accounting positions under ASC 606, and provide clear conclusions and handoffs for downstream execution by Revenue Accounting Operations. About the Role We’re looking for a Senior Manager of Technical Revenue Enablement to lead Revenue Recognition deal advisory for OpenAI’s general B2B commercial activity. Reporting to the Head of Technical Revenue, you will serve as the primary Revenue Recognition counterpart to OpenAI’s Deal Desk organization, partnering with Legal, GTM, Product, Pricing, and Strategic Finance throughout the presignature deal lifecycle. You will own intake and triage, advise on non-standard terms, approve arrangements supported by established policy and precedent, and route novel or strategic matters to the appropriate technical owner. You will build a scalable deal-advisory model by translating ASC 606 into practical contract guardrails, approved language, decision trees, review thresholds, and clear service levels. This role requires deep technical accounting judgment, commercial fluency, strong stakeholder influence, and the ability to make timely, risk-based decisions in a fast-moving environment. This role is based in San Francisco, CA. We use a hybrid work model of 3 days in the office per week and offer relocation assistance to new employees. In this role, you will: Lead the Revenue Recognition deal-advisory function for general B2B transactions, serving as the primary finance counterpart to OpenAI’s GTM Deal Desk organization. Partner early with GTM Deal Desk, Legal, GTM, Pr

Artificial IntelligenceAIAccountingFinance
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📍 San Francisco, California, United States· Full-time
✓ High-confidence listingCompany trend -80.2%
Quick readStrong listing-quality and freshness signals

About the Team OpenAI Finance helps ensure the organization is set up for success in pursuit of its mission of ensuring that artificial general intelligence benefits all of humanity. Within Finance, the Revenue Accounting, Technical team partners with Product, Strategic Partnerships, Business Development, Growth, Legal, Deal Desk, GTM, Strategic Finance, Revenue Accounting, and Finance Systems to enable scalable, operationally sound monetization. We advise on commercial and contract design, establish clear accounting positions under ASC 606, and translate those conclusions into repeatable processes, systems, controls, and reporting. About the Role We’re looking for a Manager of Revenue Accounting, Technical to drive the end-to-end technical revenue and operational workstream for OpenAI’s strategic commercial deals—from early structuring and deal-desk review through contracting, launch, and ongoing governance. Reporting to the Head of Revenue Accounting, Technical, you will serve as a key revenue advisor for complex and non-standard strategic deals, translating commercial objectives into revenue models that are economically sound, accounting-compliant, and operationally executable. You will partner with senior team members on the most novel or high-risk matters across strategic collaborations, cloud marketplaces, platform and distribution deals, licensing and revenue-share models, joint go-to-market initiatives, research collaborations, and other emerging commercial structures. You will engage from the earliest stages of a deal to shape economics, pricing, commercial terms, contract language, and product design; define the supporting data, billing, settlement, reporting, systems, controls, and revenue-recognition model; and drive cross-functional readiness through launch. After launch, you will help govern amendments, monitor whether the model is operating as intended, resolve execution issues, and evolve the approach as the partnership or business model changes. Thi

Artificial IntelligenceAIAccountingFinance
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📍 San Francisco, California, United States· Full-time
✓ Quality checkedCompany trend -80.2%

About the team The Pricing & Monetization team is responsible for how OpenAI products create and capture value. We partner closely with GTM, Finance, and Product to design pricing models, packaging, and commercial strategies that support adoption, growth, and long-term scaling of the business. To thrive in this team, you need to be a proactive problem-solver who excels at bringing structure to ambiguous challenges. Our work demands strategic thinking, cross-functional collaboration, and precision in execution. Team members succeed when they are analytical, detail-oriented, skilled at balancing multiple priorities, and passionate about driving high-stakes projects forward to deliver meaningful results. About the role We are looking for a Pricing Strategist to shape the pricing frameworks, commercial policies, and decision principles that govern our most consequential commercial decisions. This role works closely with senior leaders across GTM and Finance to define our overall pricing strategy for our sales managed segment as well as the key pricing guardrails and commercial pricing framework we enable to help our sellers and customers move fast and land mutually beneficial commercial agreements at scale. The ideal candidate is comfortable developing durable monetization frameworks and commercial policies, analyzing tradeoffs, and supporting high-impact decisions. They bring structure to ambiguity, communicate tradeoffs crisply, and know when an exception reveals a one-off need versus a broader opportunity to improve our commercial model. This role will report to the Head of Go-to-Market Pricing. In this role, you will Develop frameworks and strategies that guide commercial pricing decisions. Design commercial constructs—including commitments, incentives, and risk-sharing approaches—that address customer needs while supporting healthy unit economics and long-term growth. Build and evolve discounting frameworks, guardrails, and approval principles that improve pric

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