Risk Operations Specialist

  • Melbourne, Australia
  • Full-time

Company Description

Our mission is simple: we want to help people everywhere start, run and grow a business. We’re a fast-moving global fintech company building the tools entrepreneurs need to simplify and streamline every business process, from accepting card payments and online invoicing to inventory management, real-time analytics, employee management and powerful data reporting.

Now supporting millions of businesses worldwide, Square is recognised as a leader in financial technology, currently rated third in Fast Company’s 2018 edition of the World’s Most Innovative Companies. As we continue to expand globally, we are looking to drive that innovation further by scaling our smart, dedicated and passionate workforce in new markets. Square was founded in 2009 by Jack Dorsey and Jim McKelvey and is headquartered in San Francisco, with offices now operating across the United States, Canada, Japan, the UK and Australia.

Job Description

Square’s Risk and Fraud team is seeking a highly motivated Fraud Analyst to mitigate transactional fraud within the merchant commerce space. In this role, you will perform detailed analysis of high-risk purchases/transactions, via real-time queues to identify unauthorized transactions across different types of payments (card, ACH, and mobile payments). This position will analyze unrecognizable risk patterns and communicate with our clients in cases where additional information is required.

The ideal candidate would be ready to make a meaningful contribution to the team from day one. This individual will need to be decisive, yet embody a growth mindset and be open to learning - you won’t always make the right decision! All candidates must be flexible with their schedule; having the ability to work non-traditional shifts as well as some holidays.

You will:

  • Use in depth fraud knowledge to assess financial risk and legitimacy of transactions and accounts.

  • Scale global fraud support for multiple products while optimizing operational efficiency and quality.

  • Interact with other Risk teams on developing fraud prevention strategy and process.

  • Take ownership of projects and make decisions in a fast-paced environment with minimal direction and previously determined processes.

  • Monitor numerous real-time queues and review high-risk transactions from specified points-of-sale requiring demonstrated decision-making skills.

  • Maintain or exceed established service level agreements and guidelines for timely resolution of queued transactions to minimize potential revenue losses.

  • Contact and effectively communicate with customers and internal partners to ensure all SLAs are achieved with little or no supervision.

  • Understand our risk systems and investigate account patterns through data analysis.

  • Deal with escalations from internal and external stakeholders in a professional and efficient manner.

  • Provide and help develop & implement departmental process improvement.


You have:

  • 3+ years of experience within Risk, Fraud or Trust and Safety OR are highly skilled at business intelligence/data analytics and interested in Fraud

  • Able to work and self-organise with rapidly changing priorities

  • Strong customer focus and the ability to balance fraud prevention alongside a positive customer experience

  • Written and spoken fluency in French would be an advantage

  • Desire to work in fast-paced and rapidly changing start-up environment

  • Flexibility to adapt and ability to manage multiple assignments while working independently

  • Strong communication skills, self-motivated and results-oriented

  • Demonstrated customer service, organizational, and analytical skills

  • Strong investigative ability, internet research, and overall computer skills; Experience writing SQL to query relational databases is a plus!

  • Work flexibility on the weekends

  • Bachelor's degree required 

Even Better:

  • Leadership experience, formal or informal

Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at)squareup.com. We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.