Senior Payments Risk Manager

3 hours, 43 minutes ago
Full-time
Senior
Operations
Phoenix Ecommerce Technologies

Phoenix Ecommerce Technologies

Phoenix Ecommerce Technologies is the operating system of performance commerce. We unify storefronts, checkout, payments, and CRM into a single AI-native platform that helps direct response merchants make the most money, with the least headache, on their own terms.

information technology & services
11-50
Founded 2024

Description

  • Monitor live merchant portfolios for financial, fraud, operational, and compliance risks.
  • Analyze transaction volume, processing trends, chargebacks, disputes, refunds, fraud patterns, and merchant behavior.
  • Own risk investigations from initial signal through resolution, documenting findings and recommendations.
  • Recommend actions including reserves, funding holds, processing limits, enhanced monitoring, fraud controls, and merchant remediation.
  • Monitor chargeback and fraud trends and develop strategies to reduce preventable losses.
  • Improve risk alerts, monitoring rules, dashboards, investigation workflows, escalation processes, and automation.
  • Collaborate with Payments, Underwriting, Client Success, Product, Engineering, Operations, and Compliance teams.
  • Provide risk findings and recommendations to leadership and support other teams with merchant resolution.
  • Mentor or guide other risk team members as needed.

Requirements

  • 5+ years of experience in payments risk, merchant risk, transaction monitoring, fraud, merchant acquiring, or related payments functions.
  • Experience monitoring live merchant portfolios and transaction activity.
  • Strong investigative, analytical, root-cause analysis, and decision-making skills.
  • Experience analyzing transaction data, processing trends, chargebacks, disputes, fraud, and merchant risk indicators.
  • Strong understanding of merchant acquiring and the payments lifecycle.
  • Experience with reserves, funding holds, processing limits, enhanced monitoring, or merchant remediation.
  • Ability to independently manage investigations and communicate clear, data-driven recommendations.
  • Ability to prioritize and adapt quickly in ambiguous, fast-paced environments.
  • Strong written and verbal communication skills and attention to detail.
  • Preferred: experience with high-risk ecommerce, DTC, subscriptions, nutraceuticals, digital goods, or other elevated-risk portfolios.
  • Preferred: experience at a PayFac, processor, acquirer, ISO, gateway, or embedded payments platform.
  • Preferred: experience improving monitoring rules, alerts, dashboards, workflows, or analytics; startup experience and mentoring experience are also valued.

Interested in this position?

Apply directly on the company website

Apply Now

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