Risk Operations Analyst

Summary

Join Jobber's growing Risk Operations team as a Risk Operations Analyst and play a crucial role in detecting and mitigating fraud and credit risk losses. You will monitor and review risk alerts, investigate suspicious activity, apply risk controls, and engage with service providers to address concerns. This role requires experience in fraud and credit risk operations, strong analytical and investigative skills, and exceptional communication abilities. You will contribute to process improvements, risk strategy development, and provide operational risk support. This is an exciting opportunity within a rapidly growing area of the business, offering a chance to make a significant impact.

Requirements

• Experience in fraud and credit risk operations: Financial Services, Fintech, or Payment Processing industries
• Strong domain expertise in merchant risk assessment, fraud detection, and underwriting, including knowledge of: Card-not-present (CNP) fraud
• ACH fraud and chargebacks
• Transaction monitoring and risk reviews
• Analytical and investigative mindset: Ability to identify transaction patterns, analyze risk trends, and take decisive action to mitigate losses
• Exceptional communication skills: Comfortable discussing fraud, risk, and financial loss with service providers
• Strong ability to articulate risk findings in clear, professional, and actionable terms to internal teams
• Self-motivated and autonomous: Comfortable working remotely and independently, while being accountable for meeting targets and SLAs
• Excellent time management and the ability to prioritize tasks in a fast-paced environment
• Adaptability and resilience: Embraces ambiguity and change in a high-growth, rapidly evolving fintech environment
• Entrepreneurial mindset with a willingness to take initiative and solve problems proactively
• Team-player and problem-solver: Ability to collaborate cross-functionally and develop solutions that balance risk management and customer experience

Responsibilities

• Monitor and Review Risk Alerts: Conduct daily risk reviews of accounts and transactions flagged by our fraud and credit risk models
• Investigate Suspicious Activity: Analyze internal and third-party data sources to detect and mitigate merchant fraud and credit risk losses
• Apply Risk Controls: Implement appropriate risk strategies and interventions to minimize losses while maintaining a frictionless experience for legitimate service providers
• Engage with Service Providers: Communicate directly with merchants to address risk concerns, educate them on fraud prevention, dispute resolution, and best practices for avoiding chargebacks
• Support Complex Investigations: Work collaboratively within the Risk team and across Jobber to analyze high-risk cases, resolve incidents, and recommend risk mitigation strategies
• Drive Process Improvements: Identify and champion opportunities to enhance fraud prevention processes, policies, and tools to strengthen risk detection
• Contribute to Risk Strategy Development: Assist in refining and developing fraud and risk detection systems to stay ahead of evolving threats
• Provide Operational Risk Support: Collaborate with cross-functional teams on risk-related issues affecting Jobber’s financial operations
• Be Flexible for Business Needs: Availability to work during company and/or statutory holidays as required

Preferred Qualifications

• Experience with modern payment processing platforms: Stripe, Adyen, Checkout.com, Square
• Knowledge of payment network rules and regulatory guidelines, including: Visa/Mastercard fraud and chargeback rules
• NACHA/ACH compliance
• Financial regulations impacting risk operations
• Familiarity with fraud prevention tools and vendors, such as: Riskified, Sift, Ekata, Kount, Socure, Experian, LexisNexis
• Proficiency in operational tools and platforms: Slack, Zendesk, Salesforce, Asana, Confluence
• Technical skills in data analysis: SQL, Excel, Google Sheets, Tableau, Looker, Power BI
• Experience in related domains: Banking-as-a-Service (BaaS), lending, compliance, or trust & safety

Benefits

• A total compensation package that includes an extended health benefits package with fully paid premiums for both body and mind, retirement savings plan matching, and stock options
• A dedicated Talent Development function, including Development Coaches, to help build the career you want and hit the goals you set, while ensuring you’re reaching your fullest potential
• Support for all your breaks: from vacation to rest and recharge, your birthday off to celebrate, health days to support your physical and mental health, and parental leave top-ups to support your growing family