Payments Risk Analyst II

Responsibilities:

• Conduct detailed reviews of escalated customer accounts to identify and mitigate payments fraud risks, including chargebacks, ACH returns, wire disputes, and account takeovers.
• Analyze fraud trends and patterns in payment activities, providing actionable insights to Payments Risk management.
• Collaborate with the Payments Risk investigations team to provide feedback on rule performance and risk logic.
• Support the development and documentation of review processes to enhance operational efficiency.
• Identify inefficiencies in workflows and recommend process improvements to mitigate risk exposure.
• Maintain high standards of accuracy and timeliness in fraud investigations and risk assessments.

Requirements:

• Minimum of 1 year of experience in payments risk, fraud analysis, or risk operations within financial services or e-commerce.
• Strong understanding of payments systems, fraud detection methodologies, and risk mitigation strategies.
• Excellent analytical and investigative skills with the ability to identify patterns and root causes of fraud.
• Proficiency in English communication, both written and verbal.
• BA/BS degree or equivalent practical experience.
• Demonstrated ability to work collaboratively in a fast-paced, in-office environment.
• Passion for combating fraud and abuse, with a proactive and detail-oriented approach.
• Demonstrates the ability to responsibly use generative AI tools and copilots (e.g., LibreChat, Gemini, Glean) in daily workflows, continuously learn as tools evolve, and apply human‑in‑the‑loop practices to deliver business‑ready outputs and drive measurable improvements in efficiency, cost, and quality.

Nice to Haves:

• Knowledge of blockchain analytics and fraud trends within the cryptocurrency ecosystem.
• Familiarity with tools and technologies used in payments risk management.

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