Senior Manager of Payments Risk and Fraud Analytics — Hybrid, San Francisco, United States; New York, United States

Overview

Lead the analytical work that explains where payment losses originate and how proposed controls will affect both losses and approvals. This role focuses on portfolio performance, merchant-level reporting and recovery strategy, giving risk, finance and commercial teams a shared basis for decisions.

Requirements

• The experience profile includes at least eight years in payments, banking or lending risk analytics and three years leading analysts.
• Strong investigation judgment, segmentation, cohort analysis and loss forecasting are required, supported by knowledge of ACH or card loss economics.

Responsibilities

• Break loss patterns down by payment rail, return category, merchant segment and guarantee tier.
• Investigate groups of cases with risk operations, distinguish their underlying causes, and quantify the exposure.
• Build monthly reporting and forward-looking estimates that show how the portfolio is performing against plan and why the outlook has changed.
• Before a rule, threshold or unusual commercial term is introduced, estimate its likely effect on losses and customer acceptance.
• After implementation, compare outcomes with those expectations.
• Use the same discipline to recommend which returns should be contested and where recoveries are economically worthwhile.
• Present evidence and assumptions clearly to risk committees and finance stakeholders.

Conditions

• The role is hybrid in San Francisco or New York, with office attendance Tuesday through Thursday.