Security & Risk Analyst

SpotHero; Chicago (IL); Hybrid; USD 70,000 - 87,000; Full time

Benefits offered by this job

Medical Premiums

Dental & Vision Premiums

401(k) with match

Flexible PTO

Lunch stipend

Job summary

SpotHero is seeking a Security & Risk Analyst to protect the marketplace by preventing fraud, reducing chargebacks, and safeguarding payment experiences for drivers and partners.

Responsibilities include monitoring transactions, investigating suspicious activity, and collaborating with cross-functional teams to strengthen controls and processes. Candidates should have 3–5+ years in fraud/risk roles and knowledge of PCI-DSS.

Qualifications

• 3–5+ years of fraud detection, risk analysis, or payments fraud in a high-volume marketplace, fintech, or e-commerce environment.
• Strong analytical skills to identify patterns and anomalies in large data sets using dashboards, fraud tools, and SQL.
• Experience with payment processors, chargeback workflows, and evidence collection.
• Familiarity with online payment systems, account authentication, or transaction monitoring.
• Excellent communication to share findings with technical and non-technical stakeholders.
• Attention to detail and ability to work independently in a fast-paced environment.
• Knowledge of PCI-DSS and other compliance standards.

Responsibilities

• Monitor real-time transactions, user activity, and system alerts to identify fraud indicators.
• Investigate suspicious transactions involving CNP fraud, account takeovers, identity misuse, and promo abuse.
• Propose thresholds and workflow changes to reduce vulnerabilities and losses.
• Collaborate with Security, Data, Product, Engineering, and Operations to strengthen controls.
• Contribute to dashboards, review queues, and case management workflows.
• Educate teams on fraud awareness and best practices.

Skills

Fraud detection

Data analysis

SQL

Payment fraud

Risk analysis

Tools

Fraud tools

Dashboards

SQL

Job description

At SpotHero, we work as a team to empower people to get everywhere, easier! We’re rapidly growing with the mission of bringing the parking industry into the future through technology. Drivers across the nation use the SpotHero mobile app and website to reserve convenient, affordable parking in advance, on-the-go or through their connected cars, and parking companies rely on us to help them reach new customers while optimizing their business. We connect the dots with cutting-edge technology, delivering value to both sides of this exciting, evolving marketplace. We’ve been quite busy, take a peek at some of our recent announcements.

Security & Risk Analyst at SpotHero:

As a Security and Risk Analyst at SpotHero, you will be responsible for safeguarding our marketplace, preventing financial losses, and protecting customer trust. This role is essential to SpotHero’s ability to provide a secure, seamless payment experience and maintain our relationships with our payment partners. The Security and Risk Analyst will identify and stop fraudulent transactions before they occur, reduce dispute ratios and associated fees, and ensure our marketplace remains a trustworthy environment for drivers and partners alike.

Your work will directly preserve revenue, reduce chargebacks, and strengthen SpotHero’s risk posture across the platform. This is a great opportunity for someone looking to grow in the areas of data-driven fraud prevention and security operations within a fast-paced dynamic environment.

What You’ll Do:

• Monitor real-time transactions, user activity, and system alerts to identify emerging fraud indicators.
• Investigate suspicious transactions involving CNP fraud, account takeovers, identity misuse, discount/promo abuse, and other marketplace-specific risks.
• Apply a preventative mindset to ensure secure payments and minimize payment disputes, chargeback fees, and operational exposure.
• Analyze transaction data to identify fraud trends, behavioral anomalies, and systemic vulnerabilities.
• Propose rule adjustments, thresholds, and workflow improvements to reduce vulnerabilities and fraud losses.

Cross-Functional Collaboration

• Partner with Software Security, Data, Product, Engineering, and Operations to strengthen controls and inform fraud mitigation strategies.
• Provide fraud-focused recommendations during product launches, payment flow updates, or new feature development to ensure preventive controls are embedded early.

Process, Tools & Operational Excellence

• Contribute to the enhancement of dashboards, review queues, case management workflows, and reporting accuracy.
• Identify opportunities to automate manual review tasks and enhance detection logic.
• Maintain precise, audit-ready documentation that supports dispute evidence, compliance requirements, and internal risk governance.
• Contribute to policy and process updates for fraud prevention and security.
• Educate internal teams on fraud awareness and best practices.

What We Are Looking For:

• 3–5+ years of experience in fraud detection, risk analysis, or payments fraud within a high-volume marketplace, fintech, or e-commerce environment.
• Strong analytical skills with the ability to identify patterns and anomalies in large data sets using dashboards, fraud tools, and/or SQL for deeper pattern analysis.
• Experience working with payment processors and familiarity with chargeback workflows and evidence collection.
• Familiarity with online payment systems, account authentication, or transaction monitoring.
• Strong communication skills for sharing findings, risks, and insights with both technical and non-technical stakeholders.
• Exceptional attention to detail, accuracy in documentation, and the ability to operate independently in a fast-paced environment.
• Knowledge of PCI-DSS and other compliance standards.

Why SpotHero?

We’re a marketplace making parking easier for drivers and more efficient for garage operators. You’ll join a team that values curiosity, ownership, and continuous learning and a culture that emphasizes impact, relationships, and adaptability.

Seeking Candidates in:

• Chicago, IL - 1x a week onsite

What we are offering:

• Career game changer – A truly unique experience to work for a fast-growing company in a role with unlimited growth potential.
• We cover a generous portion of Medical Premiums, 50% of Dental and Vision Premiums, company-sponsored Life Insurance, STD, and AD&D coverage, a 401(k) with match and immediate vesting, and comprehensive leave policies to meet your needs in creating space for life.
• Flexible PTO policy and outstanding work/life balance – We value and support each individual team member.
• UberEats weekly lunch stipend for in-office days
• Udemy License and Personal Learning Budget – We support the professional and personal growth of our people by providing everyone with learning resources and development opportunities.
• Annual parking stipend – Duh. We help people park!
• The opportunity to collaborate with fun, innovative, and passionate people in a casual yet highly productive atmosphere.
• Our commitment to allyship has been a central driver of how we Respect Fellow Drivers. You’ll have the opportunity to be part of Employee Resource Groups, access allyship learning resources, and actively contribute to our ongoing effort of making SpotHero inclusive for all.
• Employee programs to grow and support our people such as Discovery Days for Product and Engineering, Gearing up for Aspiring Leaders, and Mentorship Program.
• Wellness program – a workplace that actively supports your physical and mental wellbeing through ongoing events, initiatives, resources, and thoughtful perks and benefits.
• A workplace recognized as CityLights award winner by 1871, 2026 Best Places To Work by BuiltIn, Most Loved Workplace Certified by the Best Practice Institute, and recipient of multiple Comparably awards, including Best Company Culture, Best Company for Women, and Best Company for Diversity.
• Depending on your skillset and experience, you can expect your base salary to be between $69,600 - $87,000 as well as a discretionary bonus and leading total rewards package.

At SpotHero, we Respect Fellow Drivers by providing an inclusive interview experience for

everyone, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. Please let our team know of your need when you apply or as you begin interviewing with our team.

SpotHero is an equal opportunity employer. We know that a diverse workforce is the strongest workforce, and are committed to building and supporting an inclusive environment for all.Additionally, because we want to Remember to Signal, if you choose to provide us personal information in connection with a job application, please review our Applicant Privacy Notice which provides details about what information we collect and process about you in order to consider your candidacy.

PLEASE NOTE: This position is ineligible for visa sponsorship. To be considered for this role, you must be legally authorized to work in the US or Canada and not require sponsorship for employment now or in the future.