Payment Operations & Risk Analyst

Overflow

Payment Operations & Risk Analyst overseeing payment operations and risk management for a Series B SaaS philanthropy platform. Collaborating across teams to optimize workflows and enhance transaction security.

Posted 5/29/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

Manage and support Overflow’s payment operations across cash and non-cash giving workflows, including stock donations, payment processing, reconciliation, and transaction support
Analyze payment activity, operational trends, and risk indicators to identify issues, improve processes, and reduce operational friction
Review merchant and client applications, validate documentation, and support Know Your Customer (KYC) and Know Your Business (KYB) verification processes
Monitor transaction activity for fraud, chargebacks, returns, and other payment-related risks while escalating complex issues as needed
Investigate payment discrepancies, operational issues, and transaction anomalies to identify root causes and drive resolution
Support underwriting and risk review processes by analyzing financial information, business models, transaction behavior, and exposure levels
Collaborate cross-functionally with Product, Engineering, Finance, Customer Success, and Operations teams to improve payment workflows and internal systems
Assist in scoping operational improvements, documenting requirements, and supporting testing for new tooling and automation initiatives
Track operational KPIs including approval rates, chargeback ratios, payment declines, processing trends, and risk-related metrics
Support the end-to-end stock donation process including transfer coordination, liquidation tracking, payout allocation, and operational compliance
Maintain accurate operational documentation and support audit, compliance, and reporting requirements

Requirements

What you’ll need

1–4 years of experience in payment operations, risk analysis, fraud operations, fintech operations, financial operations, or related fields
Strong analytical and problem-solving skills with high attention to detail
Ability to analyze operational data, identify trends, and make sound judgment-based decisions
Strong organizational skills and ability to manage multiple priorities in a fast-paced environment
Excellent written and verbal communication skills with the ability to collaborate cross-functionally
Comfort working with operational systems, spreadsheets, reporting tools, and payment platforms
Ability to navigate ambiguity while maintaining operational accuracy and accountability
Self-starter mentality with strong ownership and process-oriented thinking
Alignment with Overflow’s mission, values, and commitment to operational excellence

Benefits

Comp & perks

Competitive base salary with equity and bonus eligibility
Medical, dental, and vision coverage for employees and dependents
Generous paid time off and company holidays
Paid parental leave
401(k) retirement plan
Dedicated mental health and therapy stipend to support personal well-being
Team retreats and intentional in-person gatherings throughout the year

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

payment processingrisk analysisfraud operationsfinancial operationsoperational analysisKYC verificationKYB verificationtransaction monitoringoperational compliancedata analysis

Soft Skills

analytical skillsproblem-solving skillsattention to detailorganizational skillscommunication skillscollaborationself-starter mentalityprocess-oriented thinkingability to manage multiple prioritiesnavigating ambiguity