Description
We are looking for a highly analytical and proactive Payment Risk Analyst to join our team. In this role, you will be the gatekeeper of our payments ecosystem, responsible for balancing robust fraud prevention with a frictionless checkout experience for legitimate users. You will act as the subject matter expert on payment risk, driving strategies that optimize our transaction approval rates while keeping bad actors at bay.
Responsibilities
- Continuously evaluate and adjust payment risk levels and fraud rules across our billing platforms to maximize legitimate transaction approvals while minimizing chargebacks and fraudulent activity.
- Champion and implement best practices for frictionless payment flows, ensuring genuine customers experience a smooth, hassle-free onboarding and purchasing journey.
- Monitor day-to-day payment flows, investigate failed transactions, identify patterns of abuse, and resolve complex payment escalations in real-time.
- Partner closely with the Product, RnD, and Compliance teams to design secure payment features, integrate new payment methods, and ensure alignment with global financial regulations (e.g., PSD2, SCA, KYC).
- Conduct ongoing research on global payment trends, fraud vectors, and B2B SaaS industry benchmarks to keep Bright Data’s payment strategies ahead of the curve.
- Build and maintain dashboards to track key payment metrics (approval rates, chargeback ratios, false positives) and present actionable insights to senior leadership.
Requirements
- 2-4 years of experience in a Fraud/Payment Risk Analyst or a similar role, preferably at a B2B SaaS company with self-serve online billing, or a similar environment where fraud is managed as part of the customer purchase journey.
- Hands-on experience working with major payment gateways and fraud prevention tools (e.g., Stripe, PayPal, Adyen, Riskified, Sift).
- Experience managing fraud within a self-serve SaaS customer journey. Strong understanding of how fraud prevention decisions affect customer conversion, trial-to-paid flows, and overall onboarding UX.
- Strong analytical skills with proficiency in MongoDB, Excel/Google Sheets. Experience with BI tools (e.g., Tableau) is a significant advantage.
- Deep understanding of the global payments ecosystem, including credit card processing, chargeback life cycles (including B2B disputes), and 3D Secure. Familiarity with fraud patterns typical to self-serve SaaS environments: trial abuse, multi-account creation, bot-driven signups, credit card testing, and business account takeover (ATO).
- Excellent written and verbal English skills, with the ability to translate complex data into clear insights for cross-functional stakeholders.
