Payments Risk & Compliance Analytics Analyst

We are hiring a Payments Risk & Compliance Analytics Analyst to support fraud prevention, risk modeling, and regulatory oversight at a high-growth fintech organization. This role requires deep payment processing knowledge, hands-on risk analytics, and strategic chargeback management to help reduce losses and improve operational efficiency.

What You Will Do:

• Apply deep knowledge of credit-card networks (Visa, Mastercard, AmEx, Discover) and ACH/NACHA rails
• Leverage understanding of transaction lifecycles including authorization-to-settlement flows and reconciliation
• Apply strong knowledge of AML/BSA regulations and NACHA Operating Rules
• Ensure ongoing PCI-DSS compliance through hands-on implementation and oversight
• Design and build statistical and machine-learning models (e.g. logistic regression, random forests) to score and flag suspicious transactions
• Develop and manage real-time monitoring dashboards and alerts
• Author, test, and tune rules in commercial or home-grown risk engines (e.g. Actimize, Featurespace, FICO, in-house platforms)
• Balance fraud-capture rates against false-positive thresholds
• Analyze and respond to money laundering (structuring, layering, placement), friendly fraud/dispute abuse, account takeover (credential stuffing, session hijacking), and vendor payment fraud (invoice manipulation, business email compromise)
• Address money in (merchant origination) and money out (payout) fraud typologies
• Manage credit-card disputes including representment, retrieval, and arbitration
• Track reason codes and conduct root-cause analysis
• Handle ACH/NACHA disputes and coordinate with ODFIs, RDFIs, and mid-office operations
• Use SQL for data extraction and ad-hoc investigation
• Use Python or R for building models and automating analyses
• Build dashboards using BI platforms such as Tableau, Looker, or Power BI
• Manage API-level ingestion of transaction streams
• Work with real-time streaming frameworks such as Kafka or Kinesis

What You Bring:

• Knowledge of credit card networks including Visa, Mastercard, AmEx, and Discover, as well as ACH/NACHA payment rails
• Familiarity with the full transaction lifecycle, from authorization through settlement and reconciliation
• Strong understanding of AML/BSA regulations and NACHA Operating Rules
• Hands-on experience maintaining and enforcing PCI-DSS compliance standards
• Experience designing and building statistical and machine-learning models, including logistic regression and random forests
• Proven ability to develop and maintain real-time dashboards and fraud monitoring alerts
• Experience writing, testing, and tuning rules in commercial and proprietary risk engines such as Actimize, Featurespace, FICO, or internal platforms
• Skilled in managing fraud-capture rates while minimizing false positives
• Knowledge of financial crime typologies including money laundering, friendly fraud, account takeover attacks, and vendor payment fraud
• Understanding of fraud risks across both merchant origination ("money in") and payout ("money out") transaction flows
• Experience managing credit card disputes end-to-end, including representment, retrievals, arbitration, and root-cause analysis tied to reason codes
• Familiarity with ACH/NACHA dispute processes and coordination with ODFIs, RDFIs, and mid-office operations
• Proficiency in SQL for extracting data and conducting ad-hoc investigations
• Ability to use Python or R for fraud modeling, analytics, and process automation
• Experience building reports and dashboards using Tableau, Looker, or Power BI
• Experience with API-based ingestion of transaction data and real-time processing
• Familiarity with real-time data streaming frameworks such as Kafka or Kinesis
• AML/BSA certification such as ACAMS or CAMS-Audit
• PCI credentials such as PCI Professional (PCIP) or Qualified Security Assessor (QSA) are a plus
• NACHA Certified Payments Professional (CPP) certification