Risk Analyst
Miami
Risk & Compliance /
Full-Time /
Remote
Payabli’s mission is to enable any software company to become a payments company through its payment infrastructure and monetization platform. With Payabli, software companies can make payments a core part of their business model to drive revenue, enhance customer lifetime value, and boost enterprise value. Our Founders are Serial Entrepreneurs who have built and scaled successful technology companies like RevoPay (Acquired), Seamless.com (IPO), and ServiceTitan. We are backed by top venture capital investors Fika Ventures, Bling Capital, and TTV Capital.
As a Compliance Specialist at Payabli, you will be instrumental in protecting the company by rigorously assessing the creditworthiness and risk profiles of potential clients. Your thorough evaluations and due diligence will help identify and mitigate potential risks, ensuring adherence to regulatory standards and company policies. By preventing fraud, reducing financial exposure, and maintaining robust risk management practices, you will safeguard the company's financial health and uphold its reputation in the industry.
Job Overview:
- The CRU Risk Analyst at Payabli plays a critical role in maintaining the integrity and security of our payment ecosystem. This position is responsible for monitoring merchant activity, analyzing transaction risk, supporting chargeback and dispute processes, and ensuring ongoing compliance with payment network and regulatory standards. The analyst will work closely with cross-functional teams to evaluate merchant behavior, investigate anomalies, and proactively mitigate potential threats. This role is ideal for someone who is data-driven, process-oriented, and passionate about protecting both the company and its customers from financial risk.
Key Responsibilities:
- Risk Monitoring & Mitigation
- Implement and maintain a real-time risk monitoring dashboard to track transaction anomalies, fraud flags, and volume spikes.
- Refine existing detection rules to reduce false positives and improve actionable alerts by at least 10%.
- Analyze transaction-level data to identify and document top risk trends among the merchant base.
- Risk Inquiry Handling & Merchant Support
- Respond to inbound merchant risk inquiries and escalation cases with a 20% reduction in average response time.
- Develop and follow a standardized inquiry resolution playbook to ensure consistent and effective communication.
- Handle high-risk merchant cases end-to-end, reducing escalations to senior management by improving first-touch resolutions.
- Chargeback Management & Prevention
- Monitor and triage incoming chargebacks, contributing to a 10% improvement in response speed through optimized workflows.
- Assist in the development and dissemination of a merchant-facing chargeback prevention guide.
- Track and analyze dispute data to identify key causes and prevention opportunities.
- Ticket Increases & Bank Update Risk Reviews
- Evaluate high-ticket and monthly volume increase requests using a structured risk scoring model.
- Review and approve bank account updates while ensuring standard documentation is received and validated.
- Support SLA goals by processing 95% of risk reviews within defined internal deadlines.
- PCI & Regulatory Compliance
- Collaborate with internal teams and merchants to increase PCI compliance rates by 15% through targeted outreach and education.
- Support internal audits of payment compliance processes, contributing to the identification of process improvements.
- Maintain compliance tracking tools and help monitor adherence to network and regulatory standards.
We’d love to hear from you if you:
- You have 2–5 years of experience in risk, fraud, underwriting, or compliance within payments, fintech, or banking.
- You're familiar with chargeback processes, transaction monitoring, PCI-DSS, AML/BSA indicators, and payment network rules.
- You’re analytical and data-driven, with working knowledge of tools like Excel, Looker, SQL, or similar platforms.
- You communicate clearly and professionally, especially when requesting sensitive information.
- You thrive in fast-paced environments, balancing multiple complex projects with high attention to detail.
- You’re humble, open to feedback, and always looking to learn and improve.
- Bonus points if you have experience with ACH returns, NACHA rules, or tools like Alloy, Sardine, or similar risk platforms.
We think you'll love being part of our team because:
- At Payabli, you’ll have a front row seat into building a high-growth venture backed fintech company. You’ll work directly with the Founders and be considered an integral part of our leadership team. You’ll stretch yourself every day, learn a ton, grow alongside the company, and have a lot of fun building Payabli with us.
- Team First: We invest in our people to foster a vibrant culture where we all love coming to work everyday
- Customer Love: We go above and beyond to woo Customers so that they write us love letters
- Small Giant: We plan to build a massive business; however, we are also building a sustainable organization that has a strong sense of purpose and practices long-term thinking
- Run to the Fire: We embrace difficult situations and lean in when confronted with adversity. We don’t shy away from doing the right thing even if it's hard
- Bias for Action: We operate with urgency; we don’t leave for tomorrow what can be done today
- Little Things Count: We differentiate ourselves by focusing on the little things. We believe small but thoughtful considerations and gestures can have an outsized impact
- Punch Above our Weight: We don’t fear the competition, rather we see our nimbleness as a competitive advantage. We carry ourselves with confidence and conviction in our abilities
- Truth Seekers: We seek truth above pride and ego. We hold each other accountable with respect and in the open. We don’t talk behind each other’s backs. One team member’s problem is the whole team’s problem
We’re a values driven company that cares deeply about our team, partners, and customers. Our north star values are:
What we can offer you:
- Executive level responsibilities that grow with the company as we scale
- Competitive base and strong upside potential
- Stock options with the potential to unlock more equity as we grow
- Flexible PTO and paid parental leave
- Medical, dental, & vision insurance
- 401K, HSA, pre-tax savings programs
- Option to be fully remote or hybrid
- Monthly education fund to spend on anything that enhances your skills or gets you one step closer to your passion goals
Payabli is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We prohibit discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
