Payments Risk & Fraud Operations Analyst

Ryft; Manchester; On-site; GBP 42,000 - 59,000; Full time

Job summary

Ryft is hiring a Risk Operations Analyst to join the first line fraud and risk function. You will be the operational backbone interfacing with acquiring and banking partners, tracing transactions end-to-end, and producing precise responses that meet regulatory expectations.

You will monitor merchant activity, feed intelligence into fraud detection, and collaborate with the Fraud & Risk Manager to continuously improve risk processes and documentation.

Qualifications

• Experience in payments operations, risk operations or financial crime within PSPs, acquirers or banks.
• Ability to trace transactions end-to-end and reconstruct payment journeys from system data.
• Strong written communication with experience addressing banking/regulatory counterparties.
• Investigative mindset; ask questions and dig beyond plausible explanations.

Responsibilities

• Act as the primary point of contact for inbound risk and compliance queries from acquiring and banking partners, managing each query through to full resolution.
• Trace transactions end-to-end through Ryft’s systems, reconstruct the payment journey, identify where issues occurred, and produce clear, accurate responses.
• Understand partner needs and tailor outputs—transaction trails, merchant explanations, supporting docs, or a mix.
• Question findings and escalate where needed to the Fraud & Risk Manager to ensure accuracy and transparency.

Skills

Transaction tracing

Risk operations

Regulatory knowledge

Written communication

Analytical thinking

Attention to detail

Tools

Fraud tooling (Fraud.net/Sift/SEON)

Job description

Ryft is hiring a Risk Operations Analyst to join the first line fraud and risk function. You will be the operational backbone interfacing with acquiring and banking partners, tracing transactions end-to-end, and producing precise responses that meet regulatory expectations.

You will monitor merchant activity, feed intelligence into fraud detection, and collaborate with the Fraud & Risk Manager to continuously improve risk processes and documentation.