Coby Montoya
About Coby Montoya
Coby Montoya serves as the Head of Competitive Excellence at Sift, where he has worked since 2021. He has extensive experience in risk management and competitive strategy, having held various roles at companies such as PayPal, American Express, and Discover Financial Services.
Work at Sift
Coby Montoya has served as the Head of Competitive Excellence at Sift since 2021. In this role, he produces battle cards and conducts deep dive analyses on key competitors to enhance the company's competitive strategies. He conducts quarterly win/loss analysis specifically for senior leadership, providing insights that inform decision-making. Montoya also coaches and advises account executives on product positioning during competitive engagements. Additionally, he collaborates with the product team to develop new solutions and features aimed at improving competitive success. He has developed and manages a formalized competitive excellence program at Sift, contributing to the creation of product collateral and thought leadership documents.
Previous Experience in Risk Management
Prior to his role at Sift, Coby Montoya held several positions in risk management across various organizations. He worked at PayPal as an Associate Manager in Advanced Risk Sciences and later as Associate Manager for Americas Risk. At American Express, he served as Manager of Emerging Payments & Data Capabilities and Manager of Merchant Fraud Solutions. Montoya also worked at Discover Financial Services as Principal Product Manager for Authentication & Transaction Security. His experience in these roles provided him with a strong foundation in risk analysis and management.
Career at GSI Commerce
Coby Montoya has an extensive history with GSI Commerce, where he held multiple roles over several years. He started as a Customer Service Representative and progressed to positions such as Fraud Operations Analyst, Risk Analyst, and Supervisor of Fraud Ops. He also served as Manager of Global Risk Strategy & Analytics and Fraud Analytics Supervisor. His time at GSI Commerce allowed him to develop a comprehensive understanding of fraud operations and risk strategies, which he later applied in his subsequent roles.
Education and Expertise
Coby Montoya earned a Bachelor of Arts degree in Information Technology in Business from Immaculata University, where he studied from 2008 to 2011. His educational background laid the groundwork for his expertise in risk management, competitive analysis, and product development. Montoya's academic training, combined with his extensive professional experience, equips him with the skills necessary to excel in competitive excellence and risk strategy.
Leadership in Risk Strategy
In addition to his role at Sift, Coby Montoya has held leadership positions in risk strategy at various organizations. He served as Director of Risk Strategy at Deep Labs, where he focused on developing risk management strategies. His leadership experience in risk strategy has contributed to his ability to analyze competitive landscapes and implement effective solutions in his current role at Sift.