Risk Specialist

pmtbox; Orem (UT); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Competitive compensation

Health, dental, vision benefits

Generous vacation policy

Job summary

pmtbox, located in Orem, Utah, is seeking a Risk Specialist to enhance its risk operations function. You will analyze payment-related risks, collaborate with multiple teams, and help clients navigate operational challenges while improving systems and workflows.

With a small, collaborative team at an early-stage fintech company, candidates should have 3-7+ years in relevant fields and a proactive, critical mindset. Competitive compensation and meaningful benefits are provided.

Qualifications

• 3-7+ years in risk operations, fraud operations, or related role.
• Experience in fintech, SaaS, ecommerce, or banking.
• Ability to analyze data and operational problems.

Responsibilities

• Investigate payments-related risk events and fraud indicators.
• Monitor customer accounts and payment behaviors.
• Work cross-functionally to resolve issues.
• Improve internal documentation and operational processes.

Skills

Critical thinking

Problem-solving

Data analysis

Customer communication

Organizational skills

Job description

We’re making payments the most powerful tool in commerce—come build with us.

Most risk operations job descriptions read like a checklist of investigations, escalations, and queue management tasks. This one is different. At pmtbox (“Payment Box”), we’re building a fintech platform that helps businesses intelligently manage payments-related risk, fraud, chargebacks, card declines, and related operational workflows. We’re a VC-backed fintech with over 1,000 active clients, a small high-performing team, and big ambitions. We’re looking for a Risk Specialist who wants to help build, not just monitor, a world-class risk operations function. This is not a traditional “work the queue” risk role. We’re looking for someone who:

• Thinks critically and investigates beyond surface-level symptoms
• Enjoys solving operational and payments-related problems
• Can balance risk mitigation with customer experience and business outcomes
• Is comfortable operating in ambiguity and fast-moving environments
• Notices patterns, anomalies, and opportunities for improvement
• Thinks like an owner, not just an analyst
• Embraces AI and modern tooling to improve workflows and decision-making

If you’re energized by solving complex operational problems, identifying fraud and payments-related risks, improving systems and workflows, and building alongside founders and operators at a growing fintech company, this role may feel very different … in a good way.

What You Might Work On

You’ll work directly with clients, internal operations teams, and leadership to help identify, investigate, and reduce payments-related risk across the pmtbox platform. This role sits at the intersection of risk operations, fraud analysis, customer support, operational problem-solving, and systems thinking. Expect to:

• Investigate payments-related risk events, fraud indicators, chargebacks, and operational anomalies
• Monitor customer accounts, payment behaviors, and transactional patterns
• Help clients understand and navigate payments-related operational challenges
• Work cross-functionally with Operations, Engineering, Customer Success, and Leadership to resolve issues
• Identify trends, root causes, and opportunities to improve risk controls and operational workflows
• Assist with account reviews, escalations, and client communications related to risk events
• Improve internal documentation, workflows, tooling, and operational processes
• Help build scalable operational playbooks as the company grows
• Use data, judgment, and systems thinking to make thoughtful risk-related decisions

How Our Team Works

This is not a heavily layered corporate environment with endless meetings and rigid departments. Our team is intentionally small, collaborative, and high ownership. We move quickly because the people here are thoughtful, accountable, and willing to solve problems together. You’ll work closely with Founders and Leadership, Operations, Engineering, Customer Success, and enterprise customers. There will be ambiguity. Processes will evolve. Priorities may shift. We’re looking for people who are energized by that environment rather than frustrated by it. You won’t succeed here by waiting for someone to hand you perfectly documented instructions. You’ll succeed by:

• Taking ownership and staying calm under pressure
• Thinking critically and asking thoughtful questions
• Communicating clearly and professionally
• Identifying patterns and operational inefficiencies
• Solving problems proactively rather than reactively

What We’re Looking For

We care less about perfect resumes and more about capability, judgment, curiosity, analytical thinking, and outcomes patterns. You might be a great fit if you:

• Have 3-7+ years of experience in risk operations, fraud operations, payments, trust & safety, financial operations, customer operations, compliance operations, or a related role
• Have experience working in fintech, SaaS, ecommerce, banking, payments, or operational environments
• Are comfortable analyzing data, patterns, workflows, and operational problems
• Can communicate confidently with both technical and non-technical stakeholders
• Stay organized while managing multiple priorities and investigations simultaneously
• Think beyond tasks and into systems, process improvements, and operational scalability
• Are naturally curious, detail-oriented, and solutions-focused
• Maintain sound judgment when situations are messy or ambiguous

Experience with payments, chargebacks, fraud prevention, card processing, ecommerce operations, or operational risk management is highly helpful but not required.

What Success Looks Like

Success in this role is not just “cases completed” or “tickets resolved.” Success looks like:

• Fraud and operational risks being identified early and handled thoughtfully
• Clients feeling informed, supported, and confident during sensitive situations
• Operational bottlenecks and recurring issues getting identified and improved
• Risk processes becoming more scalable and efficient over time
• Strong collaboration between Risk, Customer Success, Operations, and Engineering
• Clear communication during high-pressure or time-sensitive events
• Better customer outcomes alongside thoughtful risk mitigation
• pmtbox continuing to build trust with customers and partners

Why Join pmtbox

• Early-stage fintech with real momentum and VC backing by Tandem Ventures (founders behind fintech unicorns including Divvy and Finicity)
• Small team, high ownership
• Work on meaningful ecommerce and payments infrastructure
• Build alongside founders and experienced operators
• Opportunity to help define and scale a critical operational function
• Five-days-a-week in-office culture in Orem, Utah
• Competitive compensation and benefits package including enterprise-level medical, dental, vision, 401(k), and generous time off

We’re looking for builders. If you want a highly structured environment where every process already exists, this probably isn’t the right fit. If you want to help create what comes next, we’d love to meet you.