Risk Analyst

Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model. By unifying payment acceptance, payment issuance, and advanced payment operations tooling, Payabli empowers software companies to manage and move money through a single infrastructure stack that delivers total control over the payments experience. Built to scale with PCI DSS 4.0 and SOC 2-compliant security, Payabli’s infrastructure delivers enterprise-grade reliability and trust while leveraging AI-driven intelligence to enhance visibility, streamline operations, and drive revenue growth. Backed by leading fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, Payabli is setting the standard for embedded payments infrastructure powering the next generation of vertical SaaS. As a Risk Analyst at Payabli, you will be instrumental in protecting the company by rigorously assessing the creditworthiness and risk profiles of potential clients. Your thorough evaluations and due diligence will help identify and mitigate potential risks, ensuring adherence to regulatory standards and company policies. By preventing fraud, reducing financial exposure, and maintaining robust risk management practices, you will safeguard the company's financial health and uphold its reputation in the industry. Job Overview: - The CRU Risk Analyst at Payabli plays a critical role in maintaining the integrity and security of our payment ecosystem. This position is responsible for monitoring merchant activity, analyzing transaction risk, supporting chargeback and dispute processes, and ensuring ongoing compliance with payment network and regulatory standards. The analyst will work closely with cross-functional teams to evaluate merchant behavior, investigate anomalies, and proactively mitigate potential threats. This role is ideal for someone who is data-driven, process-oriented, and passionate about protecting both the company and its customers from financial risk. Key Responsibilities: Risk Monitoring & Mitigation - Implement and maintain a real-time risk monitoring dashboard to track transaction anomalies, fraud flags, and volume spikes. - Refine existing detection rules to reduce false positives and improve actionable alerts by at least 10%. - Analyze transaction-level data to identify and document top risk trends among the merchant base. Risk Inquiry Handling & Merchant Support - Respond to inbound merchant risk inquiries and escalation cases with a 20% reduction in average response time. - Develop and follow a standardized inquiry resolution playbook to ensure consistent and effective communication. - Handle high-risk merchant cases end-to-end, reducing escalations to senior management by improving first-touch resolutions. Chargeback Management & Prevention - Monitor and triage incoming chargebacks, contributing to a 10% improvement in response speed through optimized workflows. - Assist in the development and dissemination of a merchant-facing chargeback prevention guide. - Track and analyze dispute data to identify key causes and prevention opportunities. Ticket Increases & Bank Update Risk Reviews - Evaluate high-ticket and monthly volume increase requests using a structured risk scoring model. - Review and approve bank account updates while ensuring standard documentation is received and validated. - Support SLA goals by processing 95% of risk reviews within defined internal deadlines. PCI & Regulatory Compliance - Collaborate with internal teams and merchants to increase PCI compliance rates by 15% through targeted outreach and education. - Support internal audits of payment compliance processes, contributing to the identification of process improvements. - M