Senior Payments Risk Manager

Job not on LinkedIn

🔥 1 minute ago

🇺🇸 United States – Remote

⏰ Full Time

🟠 Senior

🎲 Risk

👻 Ghost score 19%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Phoenix Ecommerce Technologies

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2024

🛍️ eCommerce

💳 Fintech

☁️ SaaS

🔥 Funding within the last year

💰 $5M Series unknown on 2025-11

eCommerce • Fintech • SaaS

Phoenix Ecommerce Technologies is an ecommerce infrastructure and payments platform built for high-volume direct-to-consumer (D2C) merchants. It provides a headless, no-code customizable checkout and funnel builder, AI-powered decline recovery and payment routing, tokenized vaulting, subscription and billing management, and analytics to optimize approvals, conversions, and lifetime value. The product emphasizes higher authorization rates, faster wallet-native checkouts (Apple Pay, Google Pay), multi-processor support, and retention automation for subscription and direct-response brands.

📋 Description

• 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

🎯 Requirements

• 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