Risk Operations Analyst

Summary

Join Stripe as a Lemon Squeezy Risk & Fraud Specialist and play a crucial role in our comprehensive risk and fraud management approach. You will monitor and manage disputes, handle refunds, manage support tickets, and proactively detect and prevent fraud. This involves analyzing data, identifying fraudulent activities, and collaborating with cross-functional teams. The ideal candidate possesses 5+ years of experience in risk-related processes within a payments or financial institution, strong SQL proficiency, and experience mitigating card testing and account takeover attacks. You will be responsible for maintaining tools for effective management and working closely with stakeholders across product, engineering, and operations.

Requirements

• 5+ years experience with risk-related processes and investigations in a payments / financial institution
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations
• Experience investigating and mitigating card testing and account takeover attacks
• Experience designing fraud/risk workflows, analyst tooling, and processes/procedural workflows
• Self-motivated, self-starter, accountable for success and growth, problem solver, team player
• Proven track record of successfully handling sensitive interactions with users to take action on risk-related decisions (e.g., requesting a user provide for more risk-related information, off-boarding a user)
• Clear and effective written and oral communication skills
• Able to troubleshoot and create detailed reports for engineering on technical issues
• Ability to work independently and collaboratively in a fast-paced technical environment

Responsibilities

• Monitor and Manage Disputes
• Monitor internal reporting and Stripe dispute percentages
• Submit evidence to counter disputes and manage subscriptions
• Refund Management
• Identify and refund high-risk flagged purchases in Stripe promptly
• Process refunds for purchases flagged with early fraud warnings in Stripe
• Support Ticket Management
• Manage fraud and dispute tickets
• Send 'In review' emails to sellers and respond to buyer dispute tickets promptly
• Issue 'Suspension' emails to sellers when necessary based on investigation outcomes
• Fraud Detection and Prevention
• Use and create scripts from data to analyze and identify fraudulent activities
• Identify new stores, payout stores, and high-priced purchases prone to risk
• Monitor the App-fraud Slack channel to block suspicious buyers and track frequent stores and buyers
• Fraud Pattern Recognition
• Analyze credit card brand distributions and email patterns (e.g., structure and domain distribution) to detect fraud
• Identify high Radar sales using existing scripts and tooling for proactive risk management
• Maintain Risk/Fraud Store Reminder App
• Manage and update the Risk/Fraud score
• Ensure the app accurately reflects the day's list of stores requiring review or action