Job Description :
The Transactional Risk team is seeking a highly skilled and engaged individual with passion for staying one step ahead of losses, evaluating financial stability and risk factors for bad merchants, while protecting and minimizing impact for good merchants. The ideal candidate should have a solid understanding of risky behaviors and patterns, chargebacks and financial records, such as invoices, balance sheets and bank statements. The Risk Analyst II will partner with Sr. Risk Analysts while also suggesting feedback and helping support other risk analysts on the team.
Primary Responsibilities
Applies defined practices, procedures and company policies to triage, troubleshoot and resolve both, known and unknown issues and patterns, and address routine and moderately complex customer questions.
Work with limited instructions on cases and detailed instructions on new projects or assignments.
Works directly with customers to resolve fraud issues and handles merchant phone escalations with medium complexity from less experienced team members
Handles any questions or escalations on suspected fraud from other BUs.
Partner across the business to educate agents on fraud processes, procedures, and how to handle fraud cases.
Escalates infrequently and only for the most complex, unknown issues.
Allowed discretion in waiving specific company policies regarding pricing, payments and-timing.
Works on special projects as needed. May work in a Quality Analyst role in any BU when the business need arises and permits.
Works more difficult and complex fraud cases that come into the group. Assist with other cases as needed and identifies additional areas to focus on based on data and emerging trends.
Takes feedback from recommendations on process improvements while also Identifying areas where improvement is needed and contributes to make necessary changes
Provides data and analysis to support the optimization of fraud detection and prevention rules.
Two to four years’ experience in risk mitigation within the payments industry
A skill for identifying the behaviors and signs of risky transactions or accounts
The capability to think through risk cases and apply sound and timely judgment
Ability to make independent and sound decisions and think on their feet in an environment that is often void of black and white guidelines
Ability to prioritize and execute on the highest areas of importance
Ability to partner and work seamlessly across the team to effectively document and share problems, opportunities, and solutions
Ability to successfully manage time to meet tight deadlines and SLAs
A self-starter who can work independently and resolve issues with minimal supervision
Excellent written and verbal communication skills
Ability to work in a high stress and fast paced environment
Working knowledge of Microsoft Office suites (Word, Excel, PowerPoint)
Positive attitude and team spirit
Deep understanding of the different fraud exploits that effect the team on a daily/monthly basis