Senior Payment Risk Analyst
Own payment fraud and transaction risk across deposits, withdrawals, and settlement payouts for a regulated prediction market exchange. The role requires 8+ years of payments or fraud-risk experience, expertise across major payment rails, and strong quantitative and regulatory judgment.
About the job
Responsibilities
- Investigate live payment fraud cases across deposits, withdrawals, and settlement payouts, making timely decisions on holds, reversals, and account actions.
- Monitor transaction data for anomalies tied to high-volume market events, distinguishing normal volume spikes from genuine abuse signals.
- Write and tune fraud detection rules in response to emerging patterns, using transaction data to set quantitatively defensible thresholds.
- Identify control gaps across the full payment stack and work with Engineering, Compliance, and InfoSec to close them.
- Own relationships with payment processors, card networks, and banking partners on risk-related matters, including chargeback disputes, ratio management, and compliance inquiries.
- Produce clear risk memos and committee-level reporting that translate payment risk findings into decisions for non-risk stakeholders.
- Maintain and improve fraud and payment risk documentation, including policies, runbooks, and week-over-week metric tracking.
Requirements
- 8 or more years of hands-on experience in payments risk, fraud risk, or transaction monitoring at a fintech, exchange, payments company, bank, or comparable regulated financial services business.
- Direct experience with ACH, wire, Visa, Mastercard, and at least one real-time payment rail, such as RTP or FedNow, including dispute mechanics, chargeback rules, and associated fraud patterns.
- Working knowledge of BSA/AML fundamentals, including SAR filing, structuring detection, and transaction monitoring systems.
- Experience setting quantitative risk thresholds, such as velocity limits and chargeback ratios, and defending those decisions to internal stakeholders, processors, banks, and card networks.
- Strong written communication skills, including the ability to write clear risk memos and argue a position effectively.
- Experience auditing a payment stack end to end, identifying missing or miscalibrated controls, and building the case for required changes.
Nice-to-haves
- Familiarity with CFTC-regulated environments or other derivatives or exchange contexts.
- Experience in a high-growth environment where payment volumes scale quickly and the risk surface changes rapidly.
- Exposure to crypto or blockchain-adjacent payment flows.
Compensation and Benefits
- Competitive salary and equity
- Unlimited PTO
- Full health, vision, and dental coverage
- 401(k) match
- Hardware setup including a new MacBook Pro, large display, and accessories
Skills
Ach, Wire Transfers, Visa, Mastercard, Rtp, Fednow, Bsa/Aml, Sar Filing, Transaction Monitoring, Fraud Detection, Chargebacks, Payment Risk, Risk Thresholds, Infosec
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