Risk Operations Analyst (Merchant)
Our Company
Afterpay is transforming the way we pay by allowing customers to receive products immediately and pay for their purchases over four installments, always interest-free. The service is completely free for customers who pay on time - helping people spend responsibly without incurring interest, fees or extended debt!
Afterpay is offered by more than 55,000 of the world’s best retailers and has more than 10 million active customers globally. In the U.S. more than 5 million customers use Afterpay and is offered by more than 15,000 of the top fashion and beauty retailers across the country - including Anthropologie, Forever 21, DSW, GOAT, Finish Line, Levi’s, Mac Cosmetics, Ray-Ban and many others. We are currently available in Australia, New Zealand, the United States and the United Kingdom where the brand is called Clearpay. Our U.S. headquarters are located at the heart of the retail and business district in San Francisco, California.
Afterpay is on a mission to power an economy in which everyone wins.
The Role
This is a fast-paced, hands-on role for a Risk Operations professional in a complex environment. Our Risk Operations Analyst works on the global Risk and Data team focusing on Merchant Risk, using best practices to identify and mitigate all merchant issues we face.
You will assist in the prevention, detection, reporting, and mitigation of high-risk merchant issues using a variety of tools, including Office, G Suite, Salesforce, Zendesk, and SQL.
Key Responsibilities
• Prevent, detect, investigate, report, and mitigate high-risk merchant account activity to minimize Afterpay’s exposure to merchant related loss from fraud, credit, brand, and regulatory risks.
• Communicate with your peers and cross-functional partners regarding risk trends, patterns, insights, and other high-risk merchant activity
• Communicate and consult directly with merchants to mitigate issues as needed
• Challenge the status quo working collaboratively as well as independently on projects focused on improving internal methods, policies, and internal tools
• Prioritize and triage workflow as daily demand requires
• Assist with building and maintaining reports as needed or assigned
• Perform various risk-related duties as assigned
Minimum Qualifications
• Minimum 2 years of experience working in a Risk Operations related role (Financial Technology, Payments, and/or E-commerce experience preferred)
• Exceptional communication skills, both written and verbal, with strong capabilities to articulate extensive investigation results and action plans with the cross-functional team.
• Self-starter, intellectually curious and comfortable operating in a fast-paced, ever-changing environment
• Passionate problem solver and strategic thinker with strong analytical and creative problem-solving skills. Able innovatively work your way around roadblocks
• Comfortable with making complex decisions with potentially large financial implications
• Exceptional time management skills. Has the ability to multi-task and triage the evolving responsibilities of the role
• Detective sense. Demonstrate high attention to detail and a natural intuition to quickly identify when and why something is wrong
• Exercise discretion, sound reasoning, and judgment.
• Possess moderate to advanced Excel skills. Proficiency in pulling and interpreting data using reporting software.
Preferred Qualifications
• 2+ years experience working in payments with a background in Merchant Credit Risk Management, Merchant Account Underwriting, Fraud Investigation, Chargeback Analysis, and/or Compliance Risk in the payments or financial technology industry
• Basic understanding of SQL and similar languages with the ability to manipulate and draw insights from data.
• Ability to read and interpret financial documents
• Willingness to work out of normal working hours when necessary.
What We Offer
• Competitive compensation packages
• Medical, Dental, Vision insurance (100% covered!)
• Fun virtual company events & collaborative team
• Supportive, laid-back environment
• Award winning culture
How to Apply
If you are brave, if you are committed to doing the right thing, if you always keep it real, and your background matches the description above then please apply today! Afterpay is continuing to hire for all open roles with all interviewing and on-boarding done virtually due to COVID-19. All new team members, in addition to current staff, will temporarily work from home until it is safe to return to our offices.