Associate - Merchant Risk Monitoring

ABOUT AIRWALLEX Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 200,000 businesses worldwide – including Brex, Rippling, Navan, Qantas, SHEIN and many more – with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale. Proudly founded in Melbourne, we have a team of over 2,200 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is leading the charge in building the global payments and financial platform of the future. If you’re ready to do the most ambitious work of your career, join us. ATTRIBUTES WE VALUE We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you’re motivated by our mission and operating principles https://www.airwallex.com/us/operating-principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor. You're humble and collaborative; turn zero‑to‑one ideas into real products, and you “get stuff done” end-to-end. You use AI to work smarter and solve problems faster. Here, you’ll tackle complex, high‑visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let’s build what’s next. ABOUT THE TEAM Payment Acceptance (PA) Risk Operations at Airwallex is a critical line of defence that protects our merchants, partners and the wider payments ecosystem. Within PA Risk Ops, the Merchant Risk Monitoring (MRM) team is responsible for ongoing monitoring of merchant behaviour post‑onboarding – across fraud, credit and brand risk – and for ensuring merchants stay within card scheme and Airwallex risk thresholds. The team works closely with Credit Risk Operations, Consumer Fraud Risk Operations, Product, Data and Commercial teams to balance risk mitigation with a great merchant experience. WHAT YOU’LL DO You’ll help protect Airwallex and our merchants by running holistic risk reviews on our Business Seller segment, using data, documentation and investigative tools to assess fraud, credit and brand risk. You’ll work from risk queues, monitor fraud and dispute trends, partner with merchants on remediation plans, and continuously improve how we manage merchant risk at scale. This role is based in Sydney or Melbourne. RESPONSIBILITIES: - Assess Fraud, Credit, and Brand Risk: Determine and apply risk exposure calculation methodologies on existing merchants using business credit reports, financial statements, KYB information and investigative research tools. - Monitor Credit, Fraud and Dispute Trends: Support ongoing monitoring of fraud, dispute and chargeback metrics, identify emerging risks, and recommend appropriate mitigations for higher‑risk merchants and segments. - Collaborate with Merchants: Work directly with merchants on chargeback or dispute solutions, explain key risk drivers, and provide guidance on best practices and risk performance improvement plans. - Improve Risk Products and Policies: Provide structured feedback and suggestions to enhance merchant risk‑related products, rules, policies and processes, partnering with Risk Product, Risk Policy and Data teams where needed. - Enhance Operational SOPs and Training: Contribute to the continuous improvement of SOPs, playbooks and training materials so that merchant risk monitoring decisions are consistent, efficient and well‑documented. - Queue Management: Oversee daily queue management of merchant risk monitoring cases, meet SLAs, analyse a