Risk Analyst

Risk Analyst

Payabli's mission is to enable any software company to become a payments company through its payment infrastructure and monetization platform. With Payabli, software companies can make payments a core part of their business model to drive revenue, enhance customer lifetime value, and boost enterprise value. Our Founders are Serial Entrepreneurs who have built and scaled successful technology companies like RevoPay (Acquired), Seamless.com (IPO), and ServiceTitan. We are backed by top venture capital investors Fika Ventures, Bling Capital, and TTV Capital.

As a Compliance Specialist 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.
• Maintain compliance tracking tools and help monitor adherence to network and regulatory standards.

We'd love to hear from you if you :

We think you'll love being part of our team because :

We're a values driven company that cares deeply about our team, partners, and customers. Our north star values are :

What we can offer you :

Payabli is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We prohibit discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.