Payments Underwriting & Risk Analyst

Summary

Join HubSpot's growing team as a Merchant Underwriting & Risk Analyst and play a critical role in ensuring the success of HubSpot Payments, a new commerce and payments solution. You will monitor merchant accounts for fraudulent activity, conduct investigations, review chargebacks, and perform credit analysis. This role requires strong analytical skills, experience in merchant underwriting and risk, and familiarity with online payment methods. You will make credit decisions, identify fraud patterns, and engage with merchants. The ideal candidate is calm, empathetic, decisive, detail-oriented, and comfortable interacting with merchants and partners. HubSpot offers a competitive compensation package.

Requirements

• Experience in merchant underwriting and risk with a merchant processor, payment facilitator, SaaS provider or fintech company
• Familiar with a variety of online payments methods, including debit cards, credit cards, ACH and international payments
• Understanding of know-your-customer (KYC) and AML/BSA requirements, tools and best practices
• Strong knowledge of fraud schemes, fraud prevention methods, and fraud detection tools in e-commerce, fintech, or payments industries
• Experience with analyzing high-risk transactions or data, utilizing decision-making and critical thinking skills to determine if transactions or merchants are fraudulent or legitimate
• Experience developing and implementing fraud prevention strategies and controls to protect against fraudulent activities
• Experience performing financial analysis using financial statements, tax returns, bank statements and other documents to assess credit risk
• Calm during escalated situations, and can diffuse an escalated situation
• Empathetic to the needs and challenges of our merchants
• Decisive, yet open to continual learning
• Comfortable interacting directly with our merchants and payment processing partners
• Strong at time management, able to multitask and prioritize tasks appropriately
• Detail oriented

Responsibilities

• Monitor merchant accounts to identify potentially fraudulent activity, and make decisions on when to hold funds or close accounts
• Conduct investigations into merchant accounts that present fraud or risk exposure to HubSpot, and make credit decisions based on the information reviewed
• Review all incoming chargebacks and assist merchants with filing rebuttals
• Gather and interpret data from credit reports, tax returns, financial statements and other documentation
• Identify patterns and trends to prevent fraud or future losses
• Engage with merchants to collect negative balances

Preferred Qualifications

• Experience with both EU and U.S Payments Underwriting
• Experience working with Stripe’s Connect platform

Benefits

• Cash compensation range: 90400-135600 USD Annually
• Base salary
• On-target commission for employees in eligible roles
• Annual bonus targets under HubSpot’s bonus plan for eligible roles
• HubSpot’s equity plan to receive restricted stock units (RSUs)
• Overtime pay