Payment Risk & AR Analyst

Everything But The House; Cincinnati, Northern (OH, KY); On-site; USD 65,000 - 85,000; Full time

Job summary

Everything But The House is seeking a Payment Risk & AR Analyst in Cincinnati, OH. The role supports revenue protection across high-volume B2C card processing, combining fraud detection, AR analytics, BI reporting, and basic cybersecurity understanding to ensure smooth transactions and minimal losses.

The successful candidate will monitor fraud indicators, manage chargebacks, reconcile payments, and build BI dashboards for Finance leadership.

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.
• Proficiency with BI tools (Power BI, Tableau) for financial reporting; strong Excel skills.
• Solid knowledge of credit card processing, payment gateways (Stripe, Adyen, Braintree), and merchant chargeback portals.
• Understanding of basic cybersecurity principles in e-commerce payments (PCI, tokenization, credential stuffing).
• Strong written and verbal communication skills.

Responsibilities

• Monitor real-time credit card transaction flows to detect fraudulent activity and maintain basic cybersecurity protocols.
• Oversee end-to-end chargeback disputes, build evidence for representments, and maintain fraud ratios.
• Perform credit card settlement reconciliations, investigate declines/chargebacks, analyze DSO, and track receivables.
• Design and maintain BI dashboards reporting on authorization rates, fraud loss, dispute win rates, and processor fees.
• Collaborate with Customer Support and IT to handle escalations and drive process improvements.

Skills

Fraud detection

AR risk analysis

Data analysis

Communication

Education

Some college

Tools

Power BI

Tableau

Excel

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.