Senior Payments Risk Manager

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🕒 6 dias atrás

🇺🇸 Estados Unidos – Remoto (EUA)

⏰ Tempo Integral

🟠 Sênior

🎲 Riscos

👻 Score fantasma 18%

O que significa: quão provável esta vaga está aberta sem contratação ativa.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Como pontuamos: tempo em aberto, republicações, vagas abertas vs tamanho do time, rapidez para fechar vagas, e se o salário está divulgado.Observação: é uma estimativa de dados públicos, não um julgamento da empresa. Vagas reais podem ter pontuação alta, então use como uma dica, não como um fato.

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Phoenix Ecommerce Technologies

SiteLinkedInTodas as Vagas

11 - 50 funcionários

Fundada em 2024

🛍️ Comércio Eletrônico

💳 Fintech

☁️ SaaS

🔥 Investimento no último ano

💰 $5.000.000 Series unknown em 2025-11

eCommerce • Fintech • SaaS

A Phoenix Ecommerce Technologies é uma plataforma de infraestrutura de ecommerce e pagamentos desenvolvida para comerciantes D2C (direto ao consumidor) de alto volume. Ela oferece um checkout personalizável, headless e sem código, além de um construtor de funil, recuperação de recusas e roteamento de pagamentos com inteligência artificial, cofre tokenizado, gestão de assinaturas e faturamento, e análises para otimizar aprovações, conversões e valor de vida do cliente. O produto enfatiza taxas de autorização mais altas, checkouts mais rápidos nativamente em carteiras digitais (Apple Pay, Google Pay), suporte a múltiplos processadores e automação de retenção para marcas de assinatura e resposta direta.

Descrição

• Proactively monitor Phoenix's portfolio of live merchants for emerging financial, fraud, operational, and compliance risks • Analyze transaction volume and velocity, processing trends and anomalies, chargeback and dispute activity, fraud patterns, refund activity, merchant performance, processing-behavior changes, and other elevated-risk indicators • Identify unusual patterns early and determine when deeper investigation or intervention is warranted • Own investigations into potentially concerning merchant or transaction activity • Analyze transaction data, processing history, merchant behavior, and other information to understand what is happening and why • Take investigations from initial signal through resolution, documenting findings and providing data-driven recommendations to Payments leadership • Recommend risk mitigation actions including reserves or reserve adjustments, funding holds, processing limits, enhanced monitoring, fraud controls, merchant remediation, additional documentation or diligence, and escalation to processors, acquiring partners, or internal leadership • Monitor portfolio-level and merchant-level chargeback and fraud trends, investigate root causes, and partner with internal teams on mitigation strategies • Improve risk alerts, monitoring rules, investigation workflows, reporting and dashboards, escalation processes, and risk tooling and automation • Collaborate with Payments leadership, Underwriting, Client Success, Product, Engineering, Operations, and Compliance • Provide findings and recommendations to support merchant communication and resolution; role is not primarily client-facing • Provide guidance to other team members as needed; people management is not the primary focus

🎯 Requisitos

• 5+ years of experience across payments risk, merchant risk, transaction monitoring, fraud, merchant acquiring, or related payments functions • Experience monitoring live merchant portfolios and transaction activity • Strong investigative skills with the ability to identify unusual patterns, determine root causes, and recommend appropriate action • Experience analyzing transaction data, processing trends, chargebacks, disputes, fraud, and other merchant risk indicators • Strong understanding of merchant acquiring and the payments lifecycle • Experience working with risk controls such as reserves, funding holds, processing limits, enhanced monitoring, or merchant remediation • Ability to independently own investigations from initial signal through findings and recommendations • Strong analytical judgment and attention to detail • Ability to prioritize and shift quickly as new risks or merchant issues emerge • Comfortable operating with ambiguity rather than relying exclusively on established processes or SOPs • Strong written and verbal communication skills • Ability to thrive in a fast-paced, high-growth environment • Preferred: experience with high-risk ecommerce, DTC, subscription, nutraceutical, digital goods, or other elevated-risk merchant portfolios • Preferred: experience within a PayFac, processor, acquirer, ISO, payment gateway, or embedded payments platform • Preferred: experience managing a large portfolio of live merchants • Preferred: experience with chargeback monitoring and fraud investigations • Preferred: experience building or improving transaction-monitoring rules, alerts, dashboards, or investigation workflows • Preferred: experience using data and analytics tools to identify portfolio-level risk trends • Preferred: experience in a startup or high-growth payments environment • Preferred: experience mentoring or guiding junior risk analysts