Senior Risk Analyst

Job Description

Job Description

A career with Gravity Payments is an opportunity to be on a collaborative team where creative leadership, passion for progress, and responsibility are paramount. Our team members focus and commit to providing for our clients and our community because we care deeply for others.

The ideal candidate will help enhance the risk foundation that will carry Gravity into the future. We are looking for a dedicated professional with 5+ years of experience who puts Gravity's mission first. You will display curiosity, flexibility, and a strong sense of accountability with internal and external customers. Your experience will guide operations to enhance risk practices, fully supporting departmental leadership while collaboratively sharing ideas for continuous improvement. There will be opportunities to create new processes, implement new technologies, and coach and develop those around you, all while working directly with clients and the team. We value flexibility, creativity, decisiveness, analytical thinking, and service.

Core Responsibilities

• Partner cross-functionally to drive team-wide strategies forward, offering thoughtful, evidence-based recommendations to refine our operations 
• Demonstrate strong professionalism by fostering team alignment and maintaining a steadfast focus on our broader organizational objectives 
• Take extreme ownership of risk decisions and analysis, demonstrating the accountability to own and learn from mistake 
• Work with Risk, Underwriting and Compliance teams to implement and execute strategies that reduce or prevent fraudulent activities and credit and fraud losses while understanding the impacts of the decisions on customers, employees, and the company in the short and long term
• Perform deep credit and fraud analysis on merchant processing activity, ACH reject activity, financials, and/or profiles to assess and mitigate risk
• Identify opportunities to enhance risk management operations on a day-to-day basis
• Perform risk reviews based on daily activity or periodic cadences
• Review risk losses on a monthly basis across all channels with the goal of adjusting the approach based on findings
• Coach and mentor teams at Gravity, and external clients relating to risk operations and best practices
• Manage parameters across the portfolio to ensure a smooth merchant experience while limiting Gravity's financial risk exposure
• Develop an understanding of our portfolio and the unique client and industry patterns, adjusting policies and reviews accordingly
• Interact with merchants, Sales teams, Customer Facing Teams, and Underwriting teams to solve risk-related issues collaboratively and with a sense of urgency
• Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Creatively problem-solve complex and difficult situations with merchants and partners, corresponding over the phone or in writing to find mutually desired solutions
• Utilize data manipulation and quantitative analysis to manage credit risk exposure across a large portfolio

Preferred Skills

• Exceptional interpersonal and communication skills, specifically tailored for merchant and vendor-facing interactions. 
• 5+ years of payment Risk experience 
• Strong decision making skills
• Financial and business acumen
• Ability to manage ambiguity
• Situational adaptability
• Experience with Risk at an ISO/PayFac/Sponsor Bank and/or working with Fiserv
• Deep knowledge of payment networks regulations 
• Knowledge of regulatory agencies (FTC, FinCen, etc), federal and state laws governing the payment industry
• Demonstrated ability to coach and develop team members
• Demonstrated success in finding creative solutions
• Ability to analyze risk, make a recommendation, develop, and execute on plans
• AML, KYC, KYB, PCI knowledge and experience
• ACH, Payment facilitation exposure
• Credit Risk Exposure, contract analysis, and Financial statement analysis (periodic reviews)
• Ability to be critically open-minded, mitigate risk, and understand tolerance.
• Being practiced in ancillary activities such as liens, collections, and chargebacks is a plus

Technical requirements: 

• Must have access to a wired internet connection
• Must have access to at least a 25 megabits per second (mbps) download and 20 (mbps) upload speed connection

Benefits

• Compensation: Competitive wage with Profit Sharing. Base pay without commissions and a unique opportunity to earn a share in company success.
• Comprehensive Benefits: Medical, dental, and vision coverage.
• Financial Security: 401(k) retirement plan and voluntary life insurance.
• Wellbeing: Time off when you need it, supporting both personal and professional sustainability. Open PTO available after one year.
• Career Growth: Training, mentorship, and development opportunities.
• Support & Stability: Short-term & long-term disability coverage and wellness resources.

This job description is a snapshot of the role at this moment in time. As our organization evolves, so do our roles. Responsibilities may shift to meet changing business needs. We seek individuals who are adaptable, proactive, and open to growth as we continue to move forward together.

The salary for this position is $ $90,000 - $120,000. We may be open to negotiating outside of this range if the desired salary aligns with the needs of the candidate and company.

Gravity Payments is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity/expression, age, disability status, protected veteran status, or any other characteristic protected by law.

Gravity Payments collects and processes personal data in accordance with applicable data protection laws. If you are a California Job Applicant see the privacy notice for further details.

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