Payment Risk & AR Analyst

EVERYTHING BUT THE HOUSE (EBTH); Cincinnati (OH); On-site; USD 60,000 - 85,000; 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 workflows. You will blend fraud detection, AR risk analysis, BI reporting, and basic security practices to minimize losses while ensuring smooth transaction processing.

Inside the Finance team, you will monitor fraud indicators, manage disputes, run reconciliations, and build dashboards for leadership.

Qualifications

• 2–4 years of experience in high-volume B2C e-commerce or AR risk analysis.
• Proficient in BI reporting tools (Power BI, Tableau) and Excel for financial visuals.
• Solid understanding of card payments, gateways, and chargeback processes.

Responsibilities

• Monitor real-time payment flows to detect fraud and card testing.
• Oversee dispute and chargeback management with evidence for representments.
• Perform AR reconciliation, investigate declines, and track DSO.
• Design and maintain BI dashboards reporting fraud loss, approvals, and trends.

Skills

Power BI

Tableau

Excel

Education

Some college

Tools

Stripe

Adyen

Braintree

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.