Senior Payment Risk Analyst
Own payment risk across deposits, withdrawals, and settlement payouts, including fraud investigations, transaction monitoring, fraud-rule tuning, control-gap remediation, payment-partner relationships, and risk reporting.
Responsibilities
- Investigate live payment fraud cases across deposits, withdrawals, and settlement payouts
- Make decisions on holds, reversals, and account actions
- Monitor transaction data for anomalies around high-volume market events
- Write and tune fraud detection rules
- Identify control gaps across the payment stack
- Work with Engineering, Compliance, and InfoSec to close control gaps
- Own risk-related relationships with payment processors, card networks, and banking partners
- Produce risk memos and committee-level reporting
- Maintain fraud and payment risk policies, runbooks, and metric tracking
Requirements
- 8 or more years of experience in payments risk, fraud risk, or transaction monitoring
- Experience at a fintech, exchange, payments company, bank, or regulated financial services business
- Experience with ACH, wire, Visa, Mastercard, RTP, or FedNow payment rails
- Knowledge of BSA/AML fundamentals, SAR filing, structuring detection, and transaction monitoring
- Experience setting quantitative risk thresholds
- Strong written communication skills
- Experience auditing payment stacks and identifying control gaps
- CFTC-regulated or derivatives exchange experience is a plus
- High-growth payments experience is a plus
- Crypto or blockchain-adjacent payment experience is a plus
Benefits
- Competitive salary and equity
- Unlimited PTO
- Full health, vision, and dental coverage
- 401(k) match
- New MacBook Pro, display, and accessories