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 developing 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
Knowledge of card brand and processor rules
Demonstrated ability to coach and develop team members
Demonstrated success in finding creative solutions
Ability to analyze risk, make a recommendation, developing and executing on plans
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
Benefits
Health Care Plan (Medical, Dental & Vision)
Retirement Plan (401k)
Life Insurance (Voluntary & AD&D)
Paid Time Off (Open PTO After One Year)
Short Term & Long Term Disability
Wellness Resources
The salary for this position is $70,000 - $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
Mid-Senior level
Employment type
Full-time
Job function
Finance and Sales
Industries
Primary and Secondary Education and Non-profit Organizations
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