Risk Operations Specialist

Risk Operations Specialist

Risk Operations Specialist at Realtor.com®

At Avail by Realtor.com®, we're hiring a Risk Operations Specialist to join our Payments Operations team as an individual contributor. In this role, you will support payment operations and risk workflows that help protect customers, funds movement, and platform integrity.

This position is responsible for day-to-day payment processing, customer verification and compliance-related reviews, and maintaining accurate payment records and reconciliations. The role also partners closely with cross-functional teams to resolve payment issues, support regulatory processes, and improve operational efficiency across the payment lifecycle.

The ideal candidate brings a strong risk mindset, attention to detail, and a proactive approach to identifying process improvements that strengthen controls and enhance the customer experience. This role may also require availability during select company holidays when banking systems remain operational.

Top reasons to apply:

• You'll play a meaningful role in protecting customers, funds movement, and platform integrity through hands-on payment risk operations
• You'll gain experience across customer verification, fraud detection, payment review, reconciliations, and regulatory support
• You'll work closely with cross-functional partners to help resolve payment issues and support a reliable customer experience
• You'll have the opportunity to identify process gaps, spot risk trends, and contribute to improvements that strengthen controls and operations
• You'll be joining a team that cares about people, purpose, and performance

What you'll do:

• Review and certify payments for new customers, ensuring KYC requirements are met
• Prepare and approve the daily NACHA file prior to bank delivery, including identity verification, fraud detection, policy enforcement, customer follow-up, and daily bank reconciliation
• Create, maintain, and reconcile the Payment Tracker as needed
• Apply payment policies and operational procedures consistently across all payment processing activities
• Identify risks within payment processes and recommend improvements to address control gaps and strengthen operational efficiency
• Serve as a key interface with the Care Team and other cross-functional partners for payment-related activities and issue resolution
• Investigate invoice discrepancies, past-due invoices, and refund requests with a focus on accuracy, timeliness, and customer experience
• Conduct customer outreach as needed to support payment verification and authorization
• Support regulatory and compliance-related workflows, including sanctions screening, reporting support, and dispute-related processes
• This role may require support during select company holidays when banks remain open

What you'll bring:

• 2+ years related experience in payments, fraud, financial services, trust & safety, back-office operations, compliance, KYC, or risk operations
• Demonstrated ability to investigate complex payment issues, identify root causes, and improve processes in high-risk or high-ambiguity environments
• Strong judgment, professional ethics, and attention to detail, with the ability to complete work promptly and accurately
• Strong written and verbal communication skills, with the ability to partner effectively across teams and handle sensitive matters with clarity and professionalism
• A high degree of diplomacy, motivation, and tact while carrying out responsibilities

How we work:

We balance creativity and innovation on a foundation of in-person collaboration. For most roles, our employees work three or more days in our offices, where they have the opportunity to collaborate in-person, adding richness to our culture and knitting us closer together. This is a hybrid role based in our Scottsdale office 3 days per week.

How we reward you:

Realtor.com is committed to investing in the health and wellbeing of our employees and their families. Our benefits programs include, but are not limited to:

• Inclusive and competitive medical, Rx, dental, and vision coverage
• Family forming benefits
• 13 Paid Holidays
• Flexible Time Off
• 8 hours of paid Volunteer Time off
• Immediate eligibility into Company 401(k) plan with 3.5% company match
• Tuition Reimbursement program for degreed and non-degreed programs
• 1:1 personalized Financial Planning Sessions
• Student Debt Retirement Savings Match program
• Free snacks and refreshments in each office location

Do the best work of your life at Realtor.com®

Here, you'll partner with a diverse team of experts as you use leading-edge tech to empower everyone to meet a crucial goal: finding their way home. And you'll find your way home too. At Realtor.com®, you'll bring your full self to work as you innovate with speed, serve our consumers, and champion your teammates. In return, we'll provide you with a warm, welcoming, and inclusive culture; intellectual challenges; and the development opportunities you need to grow.

Diversity is important to us, therefore, Realtor.com® is an Equal Opportunity Employer regardless of age, color, national origin, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, marital status, status as a disabled veteran and/or veteran of the Vietnam Era or any other characteristic protected by federal, state or local law. In addition, Realtor.com® will provide reasonable accommodations for otherwise qualified disabled individuals.

Benefits that fit your life

Your well-being matters to us, and we want you to live your best life. These are just some of the ways we can help keep you and your family safe, healthy, and happy.

Physical health

Good health is all about making good choices and having the right health options throughout your life. To help you, we provide:

• Flexible medical, vision, and dental insurance
• Reproductive care (most locations)
• Access to fertility and family-building services (most locations)
• Gender-affirming coverage, so you can feel and be your truest self
• Access to an inclusive, integrated virtual healthcare navigation program (most locations)
• Autism programs to support you and your family (most locations)
• Telemedicine services (most locations)

Emotional well-being

Your emotional well-being is just as important as your physical health. As Realtor.com, you'll be seen, heard, valued, and cared for in many ways.

• Employee Assistance Program, including work/life counseling and guidance, legal services, and financial services
• Generous paid time off (sick time, vacation time, and various leave programs) to meet your unique needs
• Phone and video counseling services to support your emotional health
• Mental health support for children ages 18 months to 17 years (most locations)
• Access to a mindfulness app to support your emotional well-being

Financial health

It's no secret that financial peace of mind greatly contributes to your overall health and well-being. We can help enhance your financial security—now and into the future.

• 401(k) with 3.5% employer match (3% in Canada)
• Accidental death and disability insurance
• Tuition reimbursement to support career-related studies
• Debt management support through online tools, education, and expert help

Caregiving support

We give you the space and support you need so you can be present for your family during major life events, like birth, illness, or injury. You'll have the resources, time, and flexibility to take care of things when life happens.

• Exceptional paid parental leave to help you welcome your newest family addition
• Lactation support services for new parents (most locations)
• Backup child and adult care (most locations)
• A parenting app featuring child development tracking, parenting tips, and a supportive community of anonymous parents and caregivers (most locations)
• Access to a healthcare concierge service that supports families with any complex, chronic, or ongoing care needs (most