Payments Underwriting and Fraud Analyst


  • Full Time
About the Role:
As a member of the Payment Operations team, you will report directly to the Director of Underwriting and Fraud to underwrite and onboard quality Software as a Service (SaaS) Companies, Marketplaces and merchants. This role will also be responsible for transaction monitoring and keeping bad actors at bay.

You Will:

  • Review onboarding materials for various business types in accordance with the Finix Underwriting Policy and Procedures aligned to law, regulations, Sponsor Bank, Card Network and NACHA guidelines. 
  • Work with client or customer delivery to resolve any KYB / KYC / OFAC issues by obtaining documentation or proof that clears the flags. Evaluate the business for risk and determine the level of reserves, if any, required.
  • Review live transactions and spikes in behavior to detect and close down fraudulent behavior
  • Review transaction monitoring reports daily, looking for questionable transactions and trends that require further research. 
  • Manage client transaction limits and velocity thresholds and suspicious activity triggers.
  • Collaborate cross-functionally to execute on the long-term strategy with members of the Sales, Implementation, Legal, Compliance, and Payment Operations teams.
  • You Are:

  • Results-oriented: Motivated to operate and produce results in a fast-growing company.
  • An excellent written and oral communicator with the ability to share findings with a large, non-technical audience.
  • Detail Oriented: eager to put in the extra effort to ensure the work is complete and accurate.
  • Able to think creatively and find new solutions when given new data or with changing circumstances.
  • Actively engaged in the pursuit of new ideas and process improvements.
  • You Have:

  • 2+ years of experience in a Risk analyst role
  • Direct experience underwriting merchants in the payments industry as a payment processor or PayFac.
  • Experience with high-risk verticals is a plus, but not required.
  • Extensive fraud prevention skills.
  • Excellent problem-solving skills, with a strong emphasis on the development of frameworks and processes that can be scaled and/or automated.
  • Tenacity and a willingness to achieve goals and make deadlines.
  • Strong sense of integrity with an ability to work within fuzzy or ambiguous boundaries.
  • —————————————–
    Finix is an equal-opportunity employer and values diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other protected class.
    Role: Risk Analyst
    Level: IC3
    Location: Remote
    Base Salary Range: $60,000 – $85,000/yr + Equity + Benefits
    Our salary ranges are determined by role, level, and location. The range displayed on this job posting reflects the minimum and maximum target for new hire (remote) salaries. Individual pay is determined by work location, job-related skills, experience, and relevant education or training.

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