Payments & Commercial Abuse Analyst

The Payments & Commercial Abuse Analyst identifies, investigates, and mitigates fraud, abuse, and monetization risks across Adobe's commerce ecosystem. Through data-driven investigations, payment risk analysis, abuse detection, and cross-functional partnerships, the team uncovers emerging threats, develops scalable mitigations, and delivers actionable intelligence that protects revenue, reduces customer friction, and strengthens trust in Adobe products and services. Key Responsibilities & Areas of Impact The responsibilities below represent the primary areas of focus for this role and may evolve alongside emerging risks, business priorities, and organizational needs. Payments Risk & Commercial Abuse Investigations Investigate complex payment fraud, monetization abuse, account misuse, and commercial abuse schemes impacting Adobe's commerce ecosystem, including unauthorized resale activity, synthetic identity abuse, payment instrument abuse, chargeback fraud, refund abuse, and the unauthorized use, distribution, or commercialization of Adobe products and services. Analyze transactions, customer behaviors, payment activity, subscription usage, account relationships, and associated signals to identify suspicious patterns, assess risk exposure, determine root cause, and recommend mitigation, enforcement, or policy actions. Evaluate escalations, emerging threat patterns, and high-risk activity to develop risk assessments and response recommendations. Analytics, Intelligence & Detection Development Utilize SQL, analytical tools, and investigative methodologies to identify trends, uncover fraud patterns, validate hypotheses, and generate actionable intelligence. Translate investigative findings into scalable detection strategies, risk signals, decisioning logic, and operational controls that reduce fraud while minimizing friction for legitimate customers. Partner with Data Science, Engineering, and AI teams to define abuse indicators, improve model performance, and enhance detection capabilities through investigator-driven insights and feedback loops. Produce intelligence assessments, trend analyses, and strategic insights on emerging abuse patterns, monetization risks, and evolving fraud trends across Adobe's commerce ecosystem. Commerce Risk Strategy & Optimization Balance fraud prevention objectives with customer experience considerations when evaluating controls, policies, detection strategies, and enforcement actions. Provide recommendations to strengthen payment risk controls, fraud mitigation strategies, automation opportunities, and long-term commerce risk initiatives while balancing customer experience and business objectives. Collaborate with Product, Commerce, Risk, Customer Support, Trust & Safety, and Engineering teams to address emerging threats, improve platform resilience, and drive sustainable risk reduction strategies. Qualifications & Core Competencies Exceptional written and verbal communication skills, with the ability to translate complex investigative findings, payment risk data, and abuse trends into clear, actionable recommendations. Strong analytical and investigative skills, with the ability to identify patterns, assess risk, and transform complex data into meaningful insights that drive informed decision-making. Experience using SQL/SPL and data analysis techniques to support investigations, validate hypotheses, identify trends, and generate actionable intelligence. A naturally inquisitive and investigative mindset, with a passion for understanding how malicious actors exploit commerce systems, products, and business processes. Strong understanding of payment and commerce risk concepts, including chargebacks, friendly fraud, account abuse, refund abuse, affiliate abuse, subscription fraud, identity risk, monetization abuse, and common payment ecosystem risks. Experience identifying risk signals, anomalous behaviors, and abuse patterns and translating findings into scalable detection, mitigation, or enforcement strategies. Creative and strategic problem-solving capabilities, including the ability to anticipate emerging risks and develop innovative, scalable solutions. Proven ability to manage competing priorities and adapt quickly in a dynamic, fast-paced environment. Self-motivated, proactive, and comfortable operating with ambiguity while working independently and collaboratively across cross-functional teams. Strong attention to detail, sound judgment, and commitment to delivering thorough, accurate, and high-confidence investigative outcomes. Experience in payments risk, commerce fraud, fraud investigations, abuse prevention, trust and safety operations, fraud analytics, cybersecurity investigations, threat intelligence, or enterprise risk management is preferred. Familiarity with machine learning concepts, risk models, AI-driven abuse trends, or the application of AI and automation to fraud detection and investigative workflows is a plus. Ability to balance fraud prevention objectives with customer experience, operational efficiency, and business outcomes when evaluating risk mitigation strategies. About Adobe Adobe empowers everyone to create through innovative platforms and tools that unleash creativity, productivity and personalized customer experiences. Adobe’s industry-leading offerings including Adobe Acrobat Studio, Adobe Express, Adobe Firefly, Creative Cloud, Adobe Experience Platform, Adobe Experience Manager, and GenStudio enable people and businesses to turn ideas into impact, powered by AI and driven by human ingenuity. Our 30,000+ employees worldwide are creating the future and raising the bar as we drive the next decade of growth. We’re on a mission to hire the very best and believe in creating a company culture where all employees are empowered to make an impact. At Adobe, we believe that great ideas can come from anywhere in the organization. The next big idea could be yours. Let’s Adobe together At Adobe, we believe in creating a company culture where all employees are empowered to make an impact. Learn more about Adobe life, including our values and culture, focus on people, purpose and community, Adobe for All, comprehensive benefits programs, the stories we tell, the customers we serve, and how you can help us advance our mission of empowering everyone to create. Adobe is proud to be an Equal Employment Opportunity employer. We do not discriminate based on gender, race or color, ethnicity or national origin, age, disability, religion, sexual orientation, gender identity or expression, veteran status, or any other protected characteristic. Learn more. Adobe aims to make our Careers website and recruiting process accessible to any and all users. If you have a disability or special need that requires accommodation to navigate our website or complete the application process, email View email address on click.appcast.io. AI Use Guidelines for Interviews Our interviews are designed to reflect your own skills and thinking. The use of AI or recording tools during live interviews is not permitted unless explicitly invited by the interviewer or approved in advance as part of a reasonable accommodation. If these tools are used inappropriately or in a way that misrepresents your work, your application may not move forward in the process. At Adobe, we empower employees to innovate with AI - and we look for candidates eager to do the same. As part of the hiring experience, we provide clear guidance on where AI is encouraged during the process and where it’s restricted during live interviews. See how we think about AI in the hiring experience. Expected Pay Range Our compensation reflects the cost of labor across several U.S. geographic markets, and we pay differently based on those defined markets. The U.S. pay range for this position is $81,500 - $189,800 annually. Pay within this range varies by work location and may also depend on job-related knowledge, skills, and experience. In California, the pay range for this position is $131,100 - $189,800. In New York, the pay range for this position is $131,100 - $189,800. At Adobe, for sales roles starting salaries are expressed as total target compensation (TTC = base + commission), and short-term incentives are in the form of sales commission plans. Non-sales roles starting salaries are expressed as base salary and short-term incentives are in the form of the Annual Incentive Plan (AIP). In addition, certain roles may be eligible for long-term incentives in the form of a new hire equity award. State-Specific Notices California Adobe will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and “fair chance” ordinances. Colorado Application Window Notice: There is no deadline to apply to this job posting because Adobe accepts applications for this role on an ongoing basis. The posting will remain open based on hiring needs and position availability. Massachusetts Massachusetts Legal Notice: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. #J-18808-Ljbffr Adobe