Business Analyst, Payments and Fraud

Spokeo is a people intelligence platform that helps millions reconnect and build trust in relationships. They are seeking a highly analytical Business Analyst for Payments & Fraud to drive performance improvements and provide data-driven insights across their payments and fraud functions.

Responsibilities:

• Support and enhance the development of payments and fraud KPIs, performance reporting, and post-launch analysis of new payment features and experiments
• Write and optimize SQL queries to uncover trends, anomalies and revenue opportunities
• Translate complex data into clear, actionable recommendations for business leaders
• Build and maintain dashboards to monitor fraud trends, payment declines, and overall payment health
• Provide analytical support to improve fraud detection and decision workflows
• Evaluate fraud rule performance, monitor alerts, and recommend data-driven improvements
• Conduct fraud trend analysis and recommend mitigation strategies
• Analyze payment decline drivers and develop decline salvage and optimization opportunities
• Support initiatives related to account updater, retry strategies and processor performance
• Identify opportunities to reduce operational costs and losses while improving authorization rates
• Communicate performance insights, root cause analysis, and mitigation strategies across teams
• Serve as the analytics and reporting extension of the Payments & Fraud team, delivering timely insights that inform decision-making, performance optimization, and strategic initiatives

Requirements:

• Highly analytical, meticulous, and proactive, with strong attention to detail
• Excellent organizational and communication skills (written and verbal)
• Ability to work in a fast-moving, lean operational environment
• Bachelor's degree in Business, Finance, Economics, Data Analytics, or related field
• 2+ years of experience in business analytics, preferably within payments and fraud
• Strong SQL expertise and experience working with large, complex datasets
• Proven ability to deliver business insights and performance-driven recommendations
• Experience building dashboards and reporting in Tableau
• Familiarity with card-not-present (CNP) subscription-based payments
• Prior experience with Cybersource Decision Manager or similar fraud decisioning tools