Senior Payment Risk Analyst

Skills

About the Role

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.

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

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

Benefits

• Competitive salary and equity
• Unlimited PTO
• Full health, vision, and dental coverage
• 401(k) match
• New MacBook Pro, display, and accessories