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Business Analyst, Payments & Fraud

Join our mission to make the world more transparent with data. Spokeo is a people search engine that helps over 18 million monthly visitors reconnect with friends, reunite with families, and protect against fraud. Additionally, our 12 billion records and over 250 million unique profiles help business professionals locate people and assets, research criminal investigation subjects, and more.

Spokeo is seeking a highly analytical, business-minded Business Analyst, Payments & Fraud, to drive performance, insight, and continuous improvement across our payments and fraud function. This role is a critical addition to a lean and growing team and reports directly to the SVP of Operations. You will support the Payments & Fraud organization by bringing deeper technical analytics expertise to strengthen performance monitoring, scalable reporting, and data-driven optimization initiatives.

What You'll Do

Payments & Fraud Analytics

• Support and enhance the development of payments and fraud KPIs, performance reporting, and post-launch analysis of new payment features and experiments
• Write and optimize SQL queries to uncover trends, anomalies, and revenue opportunities
• Translate complex data into clear, actionable recommendations for business leaders
• Build and maintain dashboards to monitor fraud trends, payment declines, and overall payment health

Fraud Strategy & Decisioning Support

• Provide analytical support to improve fraud detection and decision workflows
• Evaluate fraud rule performance, monitor alerts, and recommend data-driven improvements
• Conduct fraud trend analysis and recommend mitigation strategies

Payment Optimization & Revenue Protection

• Analyze payment decline drivers and develop decline salvage and optimization opportunities
• Support initiatives related to account updater, retry strategies and processor performance
• Identify opportunities to reduce operational costs and losses while improving authorization rates

Team Support & Collaboration

• Communicate performance insights, root cause analysis, and mitigation strategies across teams
• Serve as the analytics and reporting extension of the Payments & Fraud team, delivering timely insights that inform decision-making, performance optimization, and strategic initiatives

Who You Are

• Highly analytical, meticulous, and proactive, with strong attention to detail
• Excellent organizational and communication skills (written and verbal)
• Ability to work in a fast-moving, lean operational environment
• Bachelor's degree in Business, Finance, Economics, Data Analytics, or related field
• 2+ years of experience in business analytics, preferably within payments and fraud
• Strong SQL expertise and experience working with large, complex datasets
• Proven ability to deliver business insights and performance-driven recommendations
• Experience building dashboards and reporting in Tableau
• Familiarity with card-not-present (CNP) subscription-based payments is preferred
• Prior experience with Cybersource Decision Manager or similar fraud decisioning tools preferred

Working at Spokeo

Spokeo offers a bonus program, equity plans, and 401K. Once a year, we do a discretionary, merit-based salary increase. Additional benefits include 100% medical/dental/vision coverage and unlimited employee PTO.

Spokeo extends written offers to candidates who successfully complete their selection process. Spokeo's offers include a base salary, participation in a company bonus program, stock options, and comprehensive benefits. A final offer will depend on several factors, including, but not limited to, marketplace competition, job leveling, the candidate's experience, skills, etc.

Spokeo is an equal opportunity employer. Applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability, or protected veteran status. Spokeo fosters a business culture where ideas and decisions from all people help us grow, innovate, create the best products, and be relevant in a rapidly changing world.