Risk Operations Analyst II - Remote

Risk Operations Analyst II - Remote

At PayNearMe, we're on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM, is the first of its kinddesigned to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.

Our single platform handles it all : cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results.

In September 2025, we raised a $50 million Series E funding round to accelerate our growth.

We're a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ.

Join us and be part of a team that's shaping the future of paymentsone experience at a time.

Job Description

We are seeking a highly experienced and driven professional to join our team as a Risk Operations Analyst II. This role is pivotal in monitoring and analyzing transactions for fraudulent activity, while also collaborating with clients to align with their desired risk appetite. The ideal candidate will utilize advanced tools, data sources, and industry best practices to deliver risk services that minimize fraud losses and maximize approval rates. We are looking for an individual with robust analytical expertise, excellent client-facing communication skills, and a strong background in risk management within the payments or financial services sectors.

Key Responsibilities Fraud & Risk Management

• Fraud Analysis & Research : Employ advanced tools and techniques (e.g., standard and advanced rules-based risk engines, using third-party platforms like Accertify) to detect and assess fraudulent behavior and provide actionable insights.
• Client Risk Services : Provide advanced risk services, including support for RFIs (Networks, Partners, Banks), limits adjustments, merchant underwriting, and tailored risk interventions.
• PNM & Client Risk Events : Proactively support and resolve client and platform risk events, ensuring timely and accurate response, root cause analysis, and recommended control enhancements.
• Transaction Monitoring : Continuously monitor and analyze client, user, and transaction data to detect and investigate suspicious activity.

Client Partnership & Risk Appetite Consulting

Reporting & Transparency

Continuous Improvement

Qualifications

Education : Bachelor's degree in Finance, Business, Data Analytics, Risk Management, or a related field.

Soft Skills :

Preferably located in the East Coast time zone.