Senior Risk Analyst

Gravity Payments; United States; On-site; USD 80,000 - 95,000; Full time

Job summary

Gravity Payments is seeking a Senior Risk Analyst to join their team, focusing on risk analysis and management to enhance company practices. The ideal candidate will possess significant experience in the payments industry, alongside strong analytical skills. Join a collaborative team dedicated to client service and positive business outcomes.

Benefits

Competitive wage with Profit Sharing

Medical, dental, and vision coverage

401(k) retirement plan and voluntary life insurance

Open PTO available after one year

Training, mentorship, and development opportunities

Qualifications

• Experience in risk analysis and management within the payments sector required.
• Familiarity with regulatory agencies and payment network regulations preferred.

Responsibilities

• Implement strategies to reduce fraudulent activities and credit losses.
• Perform risk reviews and conduct deep credit and fraud analysis.
• Coach and mentor teams related to risk operations and best practices.

Skills

Decision making

Financial acumen

Analytical thinking

Creative problem-solving

Situational adaptability

Education

5-10 years of previous Risk Analyst experience in the payments industry

AML, KYC, KYB, PCI knowledge

Job description

This range is provided by Gravity Payments. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$80,000.00/yr - $95,000.00/yr

A career with Gravity Payments is an opportunity to be on a collaborative team where creative leadership, passion for progress, and responsibility are paramount. Our team members focus and commit to providing for our clients and our community because we care deeply for others.

The ideal candidate will help build a risk foundation that will carry Gravity into the future. We are looking for a candidate with multiple years of experience displaying curiosity, flexibility, and care with internal/external customers through all risk analysis and management elements. Your experience will guide operations at Gravity to ultimately enhance risk practices while creating a positive merchant experience. There will be opportunities to create new processes, implement new technologies, and coach and develop those around you, all while working directly with clients and the team. We value flexibility, creativity, decisiveness, analytical thinking, and service.

Core Responsibilities

• Work with Risk and Underwriting teams to implement and execute strategies that reduce or prevent fraudulent activities and credit and fraud losses while understanding the impacts of the decisions on customers, employees, and the company in the short and long term
• Perform deep credit and fraud analysis on merchant processing activity, ACH reject activity, financials, and/or profiles to assess and mitigate risk
• Identify opportunities to enhance risk management operations on a day-to-day basis
• Perform risk reviews based on daily activity or periodic cadences
• Review risk losses on a monthly basis across all channels with the goal of adjusting the approach based on findings
• Coach and mentor teams at Gravity, and external clients relating to risk operations and best practices
• Manage parameters across the portfolio to ensure a smooth merchant experience while limiting Gravity's financial risk exposure
• Develop an understanding of our portfolio and the unique client and industry patterns, adjusting policies and reviews accordingly
• Interact with merchants, Sales teams, Customer Facing Teams, and Underwriting teams to solve risk-related issues collaboratively and with a sense of urgency
• Identify trends and conduct root-cause analysis to isolate key performance drivers
• Creatively problem-solve complex and difficult situations with merchants and partners, corresponding over the phone or in writing to find mutually desired solutions
• Utilize data manipulation and quantitative analysis to manage credit risk exposure across a large portfolio
  
  

Requirements

Preferred Skills

• Strong decision making skills
• Financial and business acumen
• Ability to manage ambiguity
• Situational adaptability
• 5-10 years of previous Risk Analyst experience in the payments industry
• Experience with Risk at an ISO and/or working with Fiserv/First Data
• Deep knowledge of payment networks regulations
• Knowledge of regulatory agencies (FTC, FinCen, etc), federal and state laws governing the payment industry
• Demonstrated ability to coach and develop team members
• Demonstrated success in finding creative solutions
• Ability to analyze risk, make a recommendation, develop, and execute on plans
• AML, KYC, KYB, PCI knowledge and experience
• ACH, Payment facilitation exposure
• Credit Risk Exposure, contract analysis, and Financial statement analysis (periodic reviews)
• Ability to be critically open-minded, mitigate risk, and understand tolerance.
• Experience in filing SARs
• Being practiced in ancillary activities such as liens, collections, and chargebacks is a plus
  
  

Technical requirements:

• Must have access to a wired internet connection
• Must have access to at least a 25 megabits per second (mbps) download and 20 (mbps) upload speed connection
  
  

Benefits

• Compensation: Competitive wage with Profit Sharing. Base pay without commissions and a unique opportunity to earn a share in company success
• Comprehensive Benefits: Medical, dental, and vision coverage
• Financial Security: 401(k) retirement plan and voluntary life insurance
• Wellbeing: Time off when you need it, supporting both personal and professional sustainability. Open PTO available after one year
• Career Growth: Training, mentorship, and development opportunities
• Support & Stability: Short-term & long-term disability coverage and wellness resources
  
  

The salary for this position is $80,000 - $95,000. We may be open to negotiating outside of this range if the desired salary aligns with the needs of the candidate and company.

Gravity Payments is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity/expression, age, disability status, protected veteran status, or any other characteristic protected by law.

Gravity Payments collects and processes personal data in accordance with applicable data protection laws. If you are a California Job Applicant see the privacy notice for further details.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Other

• Industries

  IT Services and IT Consulting

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