Payments Underwriting and Fraud Analyst

About the Role:

You Will:

• Review onboarding materials for various business types in accordance with the Finix Underwriting Policy and Procedures aligned to law, regulations, Sponsor Bank, Card Network and NACHA guidelines. 
• Work with client or customer delivery to resolve any KYB / KYC / OFAC issues by obtaining documentation or proof that clears the flags. Evaluate the business for risk and determine the level of reserves, if any, required.
• Review live transactions and spikes in behavior to detect and close down fraudulent behavior
• Review transaction monitoring reports daily, looking for questionable transactions and trends that require further research. 
• Manage client transaction limits and velocity thresholds and suspicious activity triggers.
• Collaborate cross-functionally to execute on the long-term strategy with members of the Sales, Implementation, Legal, Compliance, and Payment Operations teams.

You Are:

• Results-oriented: Motivated to operate and produce results in a fast-growing company.
• An excellent written and oral communicator with the ability to share findings with a large, non-technical audience.
• Detail Oriented: eager to put in the extra effort to ensure the work is complete and accurate.
• Able to think creatively and find new solutions when given new data or with changing circumstances.
• Actively engaged in the pursuit of new ideas and process improvements.

You Have:

• 2+ years of experience in a Risk analyst role
• Direct experience underwriting merchants in the payments industry as a payment processor or PayFac.
• Experience with high-risk verticals is a plus, but not required.
• Extensive fraud prevention skills.
• Excellent problem-solving skills, with a strong emphasis on the development of frameworks and processes that can be scaled and/or automated.
• Tenacity and a willingness to achieve goals and make deadlines.
• Strong sense of integrity with an ability to work within fuzzy or ambiguous boundaries.