Job Description
About Payabli
Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model.
By unifying payment acceptance, payment issuance, and advanced payment operations tooling, Payabli empowers software companies to manage and move money through a single infrastructure stack that delivers total control over the payments experience. Built to scale with PCI DSS 4.0 and SOC 2-compliant security, Payabli's infrastructure delivers enterprise-grade reliability and trust while leveraging AI-driven intelligence to enhance visibility, streamline operations, and drive revenue growth.
Backed by leading fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, Payabli is setting the standard for embedded payments infrastructure powering the next generation of vertical SaaS.
The Role: Risk Analyst
As a Risk Analyst 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.
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 promptly to merchant risk inquiries and provide clear, actionable guidance on compliance and operational standards.
- Investigate high-risk merchant accounts and determine appropriate risk mitigation strategies.
- Maintain detailed documentation of all risk assessments and merchant interactions for audit and compliance purposes.
Chargeback & Dispute Management
- Monitor chargeback trends and work with merchants to develop strategies for prevention and reduction.
- Support the dispute resolution process by gathering evidence, analyzing merchant behavior, and providing recommendations.
- Maintain relationships with payment networks to ensure alignment on dispute handling procedures.
Compliance & Regulatory Adherence
- Ensure all risk management practices comply with payment network requirements and regulatory standards.
- Stay current with emerging fraud trends, payment network updates, and industry best practices.
- Participate in regular risk assessments and contribute to the development of enhanced risk policies and procedures.
💰 Compensation not publicly listed. Market estimate for similar roles: from $85K, varying by experience and location.