Job Detail

Risk Operations Analyst / Investigator at
Palo Alto, CA, US is the leading business payments network, with over 2 million members paying and getting paid over $36 billion per year. saves companies more than 50% of the time typically spent on financial back-office operations by automating end-to-end processes. helps businesses connect and do business by tying together finance and accounting programs, banks, customers, vendors, accounting professionals, and documents.  The company is the choice of 3 of the top 10 U.S. banks; leading accounting software providers QuickBooks Online and Xero; and over 50 percent of the top 100 U.S. accounting firms. It is the only business payments solution endorsed by the American Institute of CPAs (AICPA).  The recipient of more than 70 awards, was recognized as one of the San Francisco Business Times Most Innovative Companies and proudly received a PC Magazine's Editor's Choice Award.
As part of’ s Payment & Risk Operations team, this position will be responsible for assisting in key processes and activities associated with the operations risk management for 

Professional Experience/Background to be successful in this role:
This position requires a person who can roll up their sleeves and make things happen, has strong risk experience in ecommerce, and/or has a successful record of accomplishment in the digital payments space with a focus on loss reduction, investigations, fraud and business enablement. This person must have a passion for the preservation of the customer experience while reducing’s exposure to fraud and risk for all customers.
• Has 3-5 years of risk experience preferably in ecommerce, payments or financial services
• Possesses strong data analysis and investigative reporting skills
• Puts a high value on accuracy and completeness of work
• Has the ability to communicate clearly, sensitively and effectively with customers while investigating suspicious activity
• Has proven ability to learn and adapt to new processes and procedures
• Possesses excellent organizational and time management skills – must possess ability to prioritize and balance multiple tasks simultaneously.
• Is proficient in using Excel to create spreadsheets, models and reports
• Knowledge of ACH Payments
• Flexible schedule
• Cross functional experience
• Ability to make decisions
• Ability to resolve conflicts
• Knowledge of SAR, OFAC and AML
• Ability to verify documents
• Can contribute to process improvements
• Ability to make sound judgment calls

Competencies (Attributes needed to be successful in this role):
• Functional/Technical Expertise
• Fraud Investigation
• Innate curiosity for risk management
• Learning Abilities/Tech Savvy
• Communication
• Proactive Approach
• Team Player
• Problem solving
• Judgment

Upon successful training of training, you will be empowered to perform the following:
• Review and assess new customer accounts for risk exposure 
• Review and analyze daily transaction alerts for loss exposure 
• Assist with daily OFAC scans 
• As needed, contact customers regarding missing documentation or clarification regarding verification documents
• Analyze credit reports to evaluate risk and make appropriate credit decisions 
• Make recommendations for process improvements related to fraudulent activity and risk monitoring
• Partner with the product team in the design, implementation of internal controls and risk mitigation strategies to protect our customers 
• Participate in QA testing as needed.
• Identify, research and highlight trends, making mitigation recommendations
• Participate in fraud/risk related trainings, meetings and webinars
• Case Management
• SAR Filing
• Jira Filing
• Return Analysis
• Train new hires
• Assist in audits Culture
• Humble – No ego
• Fun – Celebrate the moments
• Authentic – We are who we are
• Passionate – Love what you do
• Dedicated – To each other and the customer