Senior Payment Risk Analyst
On-siteNew York City, New York, United States or New York, United States
Job Summary
Investigate live payment fraud cases across deposits, withdrawals, and settlement payouts, making timely decisions on holds, reversals, and account actions. Monitor transaction data for anomalies tied to high-volume market events, distinguishing normal volume spikes from genuine abuse signals. Write and tune fraud detection rules in response to emerging patterns, using transaction data to set thresholds you can defend quantitatively. Identify control gaps across the full payment stack, then work directly with Engineering, Compliance, and InfoSec to close them. Own relationships with payment processors, card networks, and banking partners on risk-related matters, including chargeback disputes and compliance inquiries. Produce clear risk memos and committee-level reporting that translate findings into decisions for non-risk stakeholders. Maintain core fraud and payment risk documentation, including policies, runbooks, and week-over-week metric tracking. This role sits at the intersection of fraud operations, payment rail mechanics, and regulatory compliance within the US Exchange team.
Required Qualifications
- 8 or more years of hands-on experience in payments risk, fraud risk, or transaction monitoring at a fintech, exchange, payments company, bank, or comparable regulated financial services business
- Direct experience with ACH, wire, card networks (Visa and Mastercard), and at least one real-time payment rail (RTP or FedNow), including their dispute mechanics, chargeback rules, and associated fraud patterns
- Working knowledge of BSA/AML fundamentals and how payments risk and AML risk overlap, including SAR filing, structuring detection, and transaction monitoring systems
- Demonstrated experience setting quantitative risk thresholds, such as velocity limits and chargeback ratios, and defending those decisions to internal stakeholders, processors, banks, and card networks
- Strong written communication skills
- Experience auditing a payment stack end to end, identifying where controls are missing or miscalibrated, and building the case for what needs to change
Desired Qualifications
- (Plus) Familiarity with CFTC-regulated environments or other derivatives/exchange contexts
- (Plus) Experience working in a high-growth environment where payment volumes scale quickly and the risk surface changes fast
- (Plus) Exposure to crypto or blockchain-adjacent payment flows
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