Payments Operations & Fraud Analyst

Responsibilities

Payments Operations

• Ensure money moves reliably across every flow; develop the monitoring and alerting protocols that enables scalable business operations
• Lead triage and resolution of consumer and restaurant payment issues, with clear SLAs by category and a high bar for response quality
• Define and own all operational payment workflows for customers and partners

Fraud & Risk

• Own the strategy and implementation of how Blackbird manages and addresses risk exposure across the business
• Lead investigation and analysis of emerging risk areas; partner with Operations and Product to ship durable solutions
• Define, build, and operate a scalable account integrity program that protects customers and keeps the platform trusted

Tooling & Systematic Improvement

• Partner with engineering to build our risk management platform; evaluate third-party platforms as we scale
• Build a feedback loop from operations into product and engineering, ensuring repeat issues become scalable fixes
• Establish operations as the first responder for payment and risk issues and develop clear standardized procedures for complex issues

Requirements

• 4-7 years in payments operations, fraud operations, or risk analytics at a fintech, payments company, or marketplace
• Deep familiarity with dispute and chargeback lifecycles, ACH return codes, and fraud typologies
• SQL fluency; you pull your own data and bring evidence to every recommendation
• Clear, concise written communication; you can summarize an incident in three sentences for an exec audience
• High ownership and bias toward systematic fixes over one-off heroics

Nice-to-Haves

• Experience standing up a payments ops or fraud function from scratch
• Exposure to restaurant payments, hospitality tech, or two-sided marketplaces
• Working knowledge of Nacha rules and return rate thresholds
• Familiarity with processor dashboards (Stripe, Adyen, or similar) and payout infrastructure (Bill.com)

Compensation & Benefits

• Target annual salary: $120,000-$150,000 USD
• Full time offers may also include stock options, benefits (medical, dental, vision, flexible time off, 401(k)), and other perks