Risk Analyst

Role Overview

• 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.

Tech Stack

• SQL

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