# Payments Operations & Fraud Analyst

**Company:** [Blackbird.xyz](https://hotfix.jobs/companies/blackbird-xyz)
**Location:** New York, NY
**Role:** Revenue Operations
**Salary:** $120k – $150k/yr
**Experience:** 4+ years
**Skills:** SQL, Payments Operations, Fraud Operations, Risk Analytics, Dispute Resolution, Chargebacks, Ach Returns, Nacha Rules, Stripe, Adyen
**Posted:** 2026-05-20

> Own payments operations and fraud strategy for a restaurant loyalty and payments platform. Build risk tooling, manage chargebacks and disputes, and partner with engineering to scale operations.

## Job Description

## 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

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