Risk Analyst
Payabli
full-time
Posted on:
Location Type: Remote
Location: United States
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Tech Stack
About the role
- Implement and maintain a real-time risk monitoring dashboard to track transaction anomalies, fraud flags, and volume spikes.
- Refine existing detection rules to reduce false positives and improve actionable alerts by at least 10%.
- Analyze transaction-level data to identify and document top risk trends among the merchant base.
- Respond to inbound merchant risk inquiries and escalation cases with a 20% reduction in average response time.
- Develop and follow a standardized inquiry resolution playbook to ensure consistent and effective communication.
- Handle high-risk merchant cases end-to-end, reducing escalations to senior management by improving first-touch resolutions.
- Monitor and triage incoming chargebacks, contributing to a 10% improvement in response speed through optimized workflows.
- Assist in the development and dissemination of a merchant-facing chargeback prevention guide.
- Track and analyze dispute data to identify key causes and prevention opportunities.
- Evaluate high-ticket and monthly volume increase requests using a structured risk scoring model.
- Review and approve bank account updates while ensuring standard documentation is received and validated.
- Support SLA goals by processing 95% of risk reviews within defined internal deadlines.
- Collaborate with internal teams and merchants to increase PCI compliance rates by 15% through targeted outreach and education.
- Support internal audits of payment compliance processes, contributing to the identification of process improvements.
- Maintain compliance tracking tools and help monitor adherence to network and regulatory standards.
Requirements
- 5+ years of experience in risk, fraud, underwriting, or compliance within payments, fintech, or banking.
- Familiar with chargeback processes, transaction monitoring, PCI-DSS, AML/BSA indicators, and payment network rules.
- Analytical and data-driven, with working knowledge of tools like Excel, Looker, SQL, or similar platforms.
- Communicate clearly and professionally, especially when requesting sensitive information.
- Thrive in fast-paced environments, balancing multiple complex projects with high attention to detail.
- Humble, open to feedback, and always looking to learn and improve.
- Bonus points if you have experience with ACH returns, NACHA rules, or tools like Alloy, Sardine, or similar risk platforms.
Benefits
- Competitive base and strong upside potential
- Stock options with the potential to unlock more equity as we grow
- Flexible PTO and paid parental leave
- Medical, dental, & vision insurance
- 401K, HSA, pre-tax savings programs
- Option to be fully remote or hybrid
- Monthly education fund to spend on anything that enhances your skills or gets you one step closer to your passion goals
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
risk monitoringtransaction analysisdetection rules refinementchargeback processesrisk scoring modeldata analysisPCI complianceAML/BSA indicatorspayment compliancedocumentation validation
Soft Skills
communicationanalytical thinkingattention to detailproblem-solvingcollaborationadaptabilityfeedback receptivenessproject managementcustomer servicetime management