As a Payments Risk Analyst II on the Risk & Fraud team within the Consumer & Business group, you’ll own the identification and mitigation of payments fraud across  fiat payment rails, including ACH, wire, and card transactions. This team protects millions of customers and billions in transaction volume from chargebacks, unauthorized deposits, and account takeover schemes. You’ll investigate escalated fraud cases, analyze risk patterns across multiple channels, and partner cross-functionally to strengthen detection systems across one of crypto’s highest-volume retail platforms.

What you’ll do:

• Own end-to-end investigation and resolution of escalated payments fraud cases, including chargebacks, ACH returns, wire disputes, and account takeovers, across phone, messaging, and email channels.
• Analyze fraud trends and patterns across payment activities, synthesizing data into actionable recommendations that improve detection logic and reduce loss exposure.
• Handle premium and high-complexity customer cases, including CB1, HNWI, and executive escalations, using judgment to make risk decisions and coordinating with stakeholders to resolve issues.
• Partner cross-functionally with Product, Data Science, Risk ML, and Engineering to develop and iterate on risk management strategies, rule logic, and fraud prevention processes.
• Identify workflow inefficiencies and recommend process improvements to scale risk operations, supporting documentation and standardization for consistency across the team.

Required Skills and Experience:

• 3+ years of experience in payments risk, fraud analysis, or risk operations within financial services, fintech, or e-commerce, with hands-on experience investigating chargebacks, ACH fraud, or unauthorized payment activity.
• Demonstrated ability to conduct fraud investigations across multiple channels (phone, chat, email) and make accurate, timely risk decisions independently.
• Working knowledge of payments systems, fraud detection methodologies, and at least one related risk discipline such as MAR (Manual Account Recovery) or ATO (Account Takeover).
• Proficiency in SQL or similar querying tools with the ability to analyze fraud data, identify patterns, and communicate findings to leadership with clear, data-backed recommendations.
• Full-time, in-office presence , with willingness to work shifts and weekends to support 24/7 fraud operations.
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

• Are you interested in this position?

   

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