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Jayan Tharayil

Jayan Tharayil

Co-Founder & COO at Pinch AI, specializing in fraud and risk management

jayantharayil
San Jose, California
Joined February 2026

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7.6K connections
🕵️
PayPal Risk Fraud
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PayPal Engineering
📊
Fintech Strategy Ops
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PayPal Product Leaders
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Payments Product Leaders
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AI ML Leaders
🚀
Pinch AI Founders

Summary

Jayan Tharayil is a co-founder and COO of Pinch AI, a company dedicated to building trusted relationships between retailers and their customers by powering personalized experiences that cultivate loyalty and effectively block abuse. At Pinch AI, he is focused on developing a no-code, AI-driven platform for abuse mitigation to help merchants optimize margins and customer acquisition costs. He leads the team in building and scaling risk and abuse mitigation platforms. pinch+1
With over a decade of experience in risk and fraud management, Jayan has held significant leadership roles at PayPal and Simility Inc. At PayPal, he was the Senior Director and General Manager for the Risk As A Service business unit, where he was responsible for building and taking integrated risk product portfolios to market. He also contributed significantly to Simility Inc., overseeing the growth of the Data Analytics team and playing an instrumental part in building the core product offering. theorg+2
Jayan possesses a deep understanding of the importance of embedding security into technology solutions from the outset, rather than as an afterthought. His expertise lies in developing proactive and reactive fraud mitigation strategies, balancing risk with customer expectations, and leveraging automation and machine learning while emphasizing the critical role of human oversight in combating sophisticated fraudsters. paypal+1
His early career at Google, spanning over eight years, was dedicated to trust and safety operations. In various roles, including Manager, Ads Quality Operations and Strategist, Search Quality, he built and managed teams focused on fraud-fighting and abuse prevention, indicating a long-standing commitment to ensuring secure digital environments. theorg+1

Work

Education