Payment Risk & AR Analyst

EVERYTHING BUT THE HOUSE (EBTH); Cincinnati (OH); On-site; USD 65,000 - 90,000; Full time

Job summary

Everything But The House (EBTH) in Cincinnati, OH, is seeking a Payment Risk & AR Analyst to safeguard revenue across high-volume B2C credit card processing. The role combines fraud detection, AR analysis, BI reporting, and basic payment security within the Finance team.

You will monitor transactions for fraud, manage disputes and chargebacks, reconcile settlements, and develop BI dashboards for key metrics.

Qualifications

• Some college, degree is not necessary.
• 2–4 years of experience in high-volume B2C e-commerce or AR risk analysis.
• Proficiency with BI tools (Power BI, Tableau) for financial reporting; strong Excel skills.

Responsibilities

• Monitor real-time credit card transactions to detect fraud and maintain security.
• Lead end-to-end chargeback management and prepare evidence for representments.
• Reconcile credit card settlements and analyze DSO and outstanding receivables.
• Design and maintain BI dashboards showing key metrics for Finance leadership.
• Collaborate with Customer Support and IT to optimize processes.

Skills

Power BI

Tableau

Excel

Credit card processing

Fraud detection

Data analysis

Communication

Education

Some college, degree not necessary

Job description

Role Overview

The Payment Risk & AR Analyst safeguards revenue and mitigates financial exposure across high-volume B2C credit card processing workflows. Sitting within the Finance team, this role combines payment fraud detection, Accounts Receivable analysis, Business Intelligence (BI) reporting, and basic digital payment security to ensure seamless transaction processing and minimal loss.

Key Responsibilities

• Fraud Prevention & Security: Monitor real-time credit card transaction flows to detect fraudulent activity, card testing, and account takeovers. Assist in maintaining basic cybersecurity protocols and compliance across payment touchpoints
• Dispute & Chargeback Management: Oversee end-to-end chargeback disputes, build evidence packages for representments, and maintain chargeback and fraud ratios below payment network thresholds
• AR & Payment Reconciliation: Perform credit card settlement reconciliations, investigate payment declines/chargebacks, analyze DSO, and track outstanding receivables
• BI & Data Analytics: Design and maintain BI dashboards to report on key metrics—such as authorization approval rates, fraud loss rates, dispute win rates, and processor fee trends to Finance leadership
• Process Optimization: Collaborate with Customer Support to handle escalations and coordinate with IT as needed.

Qualifications

• Some college, degree is not necessary
• 2–4 years of experience in high-volume B2C e-commerce, card payment operations, or AR risk analysis.
• Demonstrated proficiency using BI tools (Power BI, Tableau, etc.) for financial visualization and data reporting (no SQL required) along with strong Excel skills
• Strong working knowledge of credit card processing, payment gateways (e.g., Stripe, Adyen, Braintree), and merchant chargeback portals
• Understanding of basic cybersecurity principles related to e-commerce payments (PCI compliance, tokenization, credential stuffing awareness).
• Strong written and verbal communication skills

We are not providing relocation for this position and are only accepting applications for candidates who are located in the Cincinnati, OH metropolitan area.

We are an equal opportunity employer with a commitment to diversity. All qualified individuals are encouraged to apply.

Applicants must be authorized to work lawfully in the United States for EBTH. EBTH does not provide sponsorship at this time.