Senior Risk Data Analyst

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Payliance

WebsiteLinkedInAll Job Openings

51 - 200 employees

💳 Fintech

🤝 B2B

💰 $31M Debt Financing - Payliance on 2019-12

Fintech • B2B

Payliance is a payments technology company that provides a Payments-as-a-Service (PaaS) platform offering payment acceptance (ACH, credit/debit cards, real-time payments, check-based), verification/risk assessment tools, and debt recovery/accounts receivable management. They serve merchants, lenders, collection agencies, and BNPL providers, offering integrations, APIs, partner programs (ISOs, loan management systems), and compliance/licensed collection services. Payliance emphasizes reducing processing costs, fraud risk, and improving recovery rates; processes large volumes (reported $63B+ annually, 162M transactions, 40K merchant locations) and supports lending verticals (prime, subprime, earned wage access, BNPL) and merchants.

📋 Description

• Design, develop, and maintain dashboards and reporting for risk and compliance metrics, including return rates, unauthorized activity, fraud trends, and chargebacks • Analyze large transaction datasets to identify patterns, anomalies, and emerging risks • Produce recurring and ad hoc reporting for leadership and stakeholders • Build and optimize automated workflows, data pipelines, and reporting processes • Partner with Engineering and Product teams to enhance data infrastructure and monitoring capabilities • Support development of rules engines, alerts, and decisioning tools for transaction monitoring, anomaly detection, and underwriting • Support NACHA return rate monitoring, merchant and originator performance tracking, and compliance KPIs • Assist with QA/testing data analysis, audit support, and regulatory reporting • Provide insights into merchant performance and portfolio trends • Collaborate with Risk, Compliance, Underwriting, and Operations teams to identify data needs and deliver solutions • Present complex analyses and recommendations clearly to non-technical stakeholders • Translate business requirements into technical data solutions

🎯 Requirements

• Bachelor's degree in a quantitative field (Mathematics, Statistics, Computer Science, Economics, or related) • 7+ years of experience in data analytics, risk analytics, or financial services analytics • Strong proficiency working with large datasets and visualization tools such as Tableau, Power BI, Grafana, or similar • Ability to translate complex data into clear, actionable insights • Understanding of payments data and risk indicators • Strong communication and collaboration skills • Experience in payments, fintech, or financial services preferred • Familiarity with ACH/NACHA rules or transaction monitoring preferred • Hands-on experience with SQL, Python, or similar data manipulation languages preferred • Experience with data pipeline tools and automation frameworks preferred • Knowledge of fraud detection, risk modeling, or compliance analytics preferred

🏖️ Benefits

• Annual merit bonus opportunity • Medical, Dental, and Vision insurance • 401(k) with company match • Generous PTO • Paid company holidays • Company-paid life insurance • Company-paid long-term disability insurance • Paid parental leave • Remote work arrangement • Occasional travel for team meetings, planning sessions, and company events