Risk Analyst

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Payabli

WebsiteLinkedInAlle Stellen

11 - 50 Mitarbeiter

Gegründet 2020

💳 Fintech

☁️ SaaS

🤝 B2B

💰 €35.999.907 Series B - Payabli im 2025-06

Fintech • SaaS • B2B

Payabli ist ein Unternehmen für Zahlungsinfrastruktur der nächsten Generation, das Softwareplattformen ermöglicht, Zahlungen zu integrieren, zu verwalten und zu monetarisieren. Es bietet ein vollständiges Angebot an Funktionen — Pay In (Zahlungsakzeptanz und Händler-Onboarding), Pay Out (Verbindlichkeiten und Auszahlungen an Anbieter/Partner) und Pay Ops (Betrieb, Risiko, Abrechnung und Berichterstattung) — bereitgestellt über APIs, einbettbare Komponenten und erstklassige Beratungsdienste. Payabli richtet sich an SaaS-Unternehmen, Finanzinstitute, technologiegestützte Dienstleistungen und Großhändler und ist ein eingetragener Zahlungsabwickler/ISO, der konforme, skalierbare Zahlungslösungen und entwicklerfreundliche Integrationswerkzeuge bietet.

Beschreibung

• 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.

🎯 Anforderungen

• 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.

🏖️ Vorteile

• 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