Payment Risk Analyst

Contour Software; Islamabad Capital Territory; On-site; PKR 1,800,000 - 3,200,000; Full time

Benefits offered by this job

Market-leading Salary

Medical Coverage – Self & Dependents

Provident Fund

Employee Performance-based bonuses

Home Internet Subsidy

Conveyance Allowance

Life Benefit

Company Provided Lunch/Dinner

Professional Development Budget

Job summary

Contour Software in Pakistan is seeking a Payments Risk Analyst to join our Risk & Operations team. You will identify, investigate, and resolve risk-related issues across payment transactions, merchant activities, and chargeback processes.

The ideal candidate has 2+ years in payments risk or fraud analysis, with knowledge of card networks and risk tools. You will collaborate with onboarding, compliance, and support teams to implement strong controls and improve loss prevention.

Qualifications

• 2+ years of experience in payments risk, fraud analysis, or chargeback management.

Responsibilities

• Monitor and analyze payment transactions for suspicious or fraudulent activity.
• Investigate flagged transactions and elevate as necessary.
• Maintain documentation of risk cases and resolution outcomes.
• Conduct risk assessments on new and existing merchants.
• Monitor merchant behavior for signs of abuse, fraud, or policy violations.
• Work with onboarding and compliance teams to ensure proper risk controls are in place.
• Review and respond to chargeback claims in accordance with card network rules.
• Analyze chargeback trends to identify root causes and recommend preventive measures.
• Coordinate with customer support, finance, and legal teams to resolve disputes.

Skills

Payments risk analysis

Fraud analysis

Chargeback management

Analytical thinking

Documentation

Job description

Job Description:

About Contour

Contour Software has grown from a dozen people to over 2,000 staff across 3 cities, in less than 14 years.

As a subsidiary of Constellation Software Inc., we are proud to be part of a global enterprise software conglomerate that has grown to become one of the top 10 software companies in the world, with employees and customers in 100+ countries. With a broad-based and ever-growing portfolio of market-leading, vertical-market enterprise solutions covering more than 100 industry domains in predominantly mature markets, CSI's recipe creates the perfect environment for professionals to build fulfilling, long-term careers.

What started as an R&D & Accounting back-office, has progressed into a full-service Global Centre serving all functions and departments, at the divisional as well as operating group/corporate level. Today Contour employees, located in Karachi, Lahore & Islamabad, are serving CSI divisions located in time zones spanning the globe, from Sydney to Vancouver. With the global growth of Constellation as the wind in our sails, we are only just getting started!

Payments Risk Analyst

About The Role

Constellation Payment Processing is a modern Payment Facilitator (PayFac) empowering SaaS businesses to grow revenue through seamless, embedded payments. As part of Constellation Software Inc. (CSI) — a global Canadian-based software leader — we combine the agility of a specialized payments company with the strength and stability of an established global powerhouse.

We are seeking a detail-oriented and analytical Payments Risk Analyst to join our Risk & Operations team. This role is responsible for identifying, investigating, and resolving risk-related issues across payment transactions, merchant activities, and chargeback processes. The ideal candidate will have a strong understanding of payment systems, fraud detection, and risk mitigation strategies, with the ability to work cross-functionally to protect the integrity of our financial ecosystem.

What You’ll Do

• Monitor and analyze payment transactions for suspicious or fraudulent activity.


• Investigate flagged transactions and elevate as necessary.


• Maintain documentation of risk cases and resolution outcomes.


• Conduct risk assessments on new and existing merchants.


• Monitor merchant behavior for signs of abuse, fraud, or policy violations.


• Work with onboarding and compliance teams to ensure proper risk controls are in place.
  
• Recommend account actions based on risk findings.


• Review and respond to chargeback claims in accordance with card network rules.


• Analyze chargeback trends to identify root causes and recommend preventive measures.


• Coordinate with customer support, finance, and legal teams to resolve disputes.


• Maintain accurate records and reporting for chargeback performance metrics.

Basic Qualifications

• 2+ years of experience in payments risk, fraud analysis, or chargeback management.


• Familiarity with payment platforms, card networks, and merchant services.


• Strong analytical and problem-solving skills.


• Excellent communication and documentation abilities.


• Experience with risk tools and data analysis platforms is a plus.

Preferred Qualifications

• Knowledge of regulatory compliance in payments (e.g., PCI-DSS, AML).


• Experience working in a fast-paced fintech or e-commerce environment.


• Ability to work independently and manage multiple priorities.


• Familiarity with leveraging AI tools to streamline workflows, enhance communication, or support decision-making.

Exciting Benefits we offer:

• Market-leading Salary


• Medical Coverage – Self & Dependents


• Parents Medical Coverage


• Provident Fund


• Employee Performance-based bonuses


• Home Internet Subsidy


• Conveyance Allowance


• Profit Sharing Plan [Tenured Employees Only]


• Life Benefit


• Child Care Facility


• Company Provided Lunch/Dinner


• Professional Development Budget


• Recreational area for in-house games


• Sporadic On-shore training opportunities


• Friendly work environment


• Leave Encashment

Disclaimer: At Contour, we attribute our success to the unique contributions of our diverse staff. We’re committed to fostering a culture of respect that thrives on the varied perspectives and experiences of all individuals we recruit, employ, promote, and compensate. Since day one, we’ve adhered to a policy that champions a work environment honoring the worth and dignity of each person while being free from all forms of employment discrimination.

In our continuous effort to promote inclusivity, we extend our commitment to individuals with special needs by providing reasonable accommodations. We actively encourage qualified individuals with special needs to apply for the various openings within our company. Should you require assistance in completing the application process or have any inquiries regarding special facilities, please do not hesitate to contact our HR team. Your unique talents and abilities are welcomed and valued here.

Requirements: