Senior Analyst, Merchant Risk
- San Francisco, CA, United States
Afterpay is transforming the way we pay by allowing customers to buy products immediately and pay for their purchases over four installments. The service is completely free⁵ for customers who pay on time - helping people spend responsibly. As of December 31, 2021, Afterpay is offered by more than 122,000 of the world’s favorite retailers and more than 19 million active customers have adopted the service.
Afterpay is currently available in Australia, Canada, New Zealand, the United States and the United Kingdom, France, Italy and Spain, where it is known as Clearpay. Afterpay is on a mission to power an economy in which everyone wins. Afterpay is a wholly owned subsidiary of Block, Inc. (NYSE: SQ).
As Afterpay’s Senior Analyst, Merchant Risk Operations, you’ll work on the Global Risk and Analytics team focusing on Merchant Risk, using best practices to identify and mitigate all merchant issues we face. You will assist in the prevention, detection, reporting, and mitigation of high-risk merchant issues using a variety of tools, including Office, G Suite, Salesforce, Zendesk, and SQL.
● Become a subject matter expert in Merchant Risk
● Vet, underwrite, and onboard merchants that align with Afterpay’s merchant risk appetite
● Prevent, detect, investigate, report, and mitigate high-risk merchant account activity to minimize Afterpay’s exposure to merchant related loss from Financial risks (Merchant Fraud and Merchant Credit)
● Communicate with your peers and cross-functional partners regarding risk trends, patterns, insights, and other high-risk merchant activity
● Challenge the status quo working collaboratively as well as independently on projects focused on improving internal methods, policies, and internal tools
● Prioritize and triage workflow as daily demand requires
● Assist with building and maintaining reports as needed or assigned
● Assist with drafting policy and/or SOPs as needed or assigned
● Perform various risk-related duties as assigned
Minimum 2 years of experience working in a Risk Operations related role (Financial Technology, Payments, and/or E-commerce experience preferred)
Exceptional communication skills, both written and verbal, with strong capabilities to articulate extensive investigation results and action plans with the cross-functional team.
Self-starter, intellectually curious and comfortable operating in a fast-paced, ever-changing environment
Passionate problem solver and strategic thinker with strong analytical and creative problem-solving skills.
Able innovatively work your way around roadblocks
Comfortable with making complex decisions with potentially large financial implications
Exceptional time management skills. Has the ability to multi-task and triage the evolving responsibilities of the role
Detective sense. Demonstrate high attention to detail and a natural intuition to quickly identify when and why something is wrong
Exercise discretion, sound reasoning, and judgment.
Possess moderate to advanced Excel skills. Proficiency in pulling and interpreting data using reporting software.
2+ years experience working in payments with a background in Merchant Credit Risk Management, Merchant Account Underwriting, Fraud Investigation, Chargeback Analysis, and/or Compliance Risk in the payments or financial technology industry
Basic understanding of SQL and similar languages with the ability to manipulate and draw insights from data.
Ability to read and interpret financial documents
Willingness to work out of normal working hours when necessary.
We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page.
Additionally, we consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.
We want you to be well and thrive. Our global benefits package includes:
- Healthcare coverage
- Retirement Plans
- Employee Stock Purchase Program
- Wellness perks
- Paid parental leave
- Paid time off
- Learning and Development resources
Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.