Risk Operations Analyst
On-site · Manila, Metro Manila, Philippines
Job Summary
Perform merchant risk management activities including investigation of merchant-related risk alerts, reviewing and deciding on merchant requests for activating features and channels, updating transaction privileges, responding to risk-related queries from merchants and internal/external stakeholders, and managing other operational matters such as chargeback responses. Demonstrate independent judgment, follow SOPs, own cases end-to-end, and craft recommendations to senior stakeholders using risk protocols. Collaborate with cross-functional teams and external partners to monitor merchant performance, identify high-risk merchants early, and implement appropriate mitigating actions. Communicate investigations clearly and maintain traceability of decisions.
Required Qualifications
- 2+ years of experience in Fraud Risk or Credit Risk specifically in Card Payments (acquiring/issuing) with strong exposure to Chargebacks and Disputes
- Proven ability to identify high-risk merchants using transaction behavior, dispute trends, fraud signals, and compliance indicators
- Hands-on experience performing merchant risk reviews and recommending appropriate risk mitigation actions
- Deep understanding of the chargeback process and essential card scheme regulations, particularly those for Visa/Mastercard/JCB
- Ability to conduct basic data analysis and structure the investigations in an organized way
- Ability to work independently take ownership, and drive cases from detection to closure with minimal supervision
- Excellent communication skills with the ability to write clear investigation summaries and communicate decisions to internal stakeholders
- Ability to understand and follow the standard operating procedures and risk protocols
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