Risk Analyst, Payabli
+ Equity
Payment infrastructure and monetization platform
Job no longer available
Payment infrastructure and monetization platform
101-200 employees
Job no longer available
+ Equity
101-200 employees
Company mission
To provide a proven playbook that allows high-growth SaaS companies to leverage payments as a core part of their business model.
Role
Who you are
- This role is ideal for someone who is data-driven, process-oriented, and passionate about protecting both the company and its customers from financial risk
- You have 5+ years of experience in risk, fraud, underwriting, or compliance within payments, fintech, or banking
- You're familiar with chargeback processes, transaction monitoring, PCI-DSS, AML/BSA indicators, and payment network rules
- You’re analytical and data-driven, with working knowledge of tools like Excel, Looker, SQL, or similar platforms
- You communicate clearly and professionally, especially when requesting sensitive information
- You thrive in fast-paced environments, balancing multiple complex projects with high attention to detail
- You’re humble, open to feedback, and always looking to learn and improve
- Bonus points if you have experience with ACH returns, NACHA rules, or tools like Alloy, Sardine, or similar risk platforms
What the job involves
- As a Risk Analyst at Payabli, you will be instrumental in protecting the company by rigorously assessing the creditworthiness and risk profiles of potential clients
- Your thorough evaluations and due diligence will help identify and mitigate potential risks, ensuring adherence to regulatory standards and company policies
- By preventing fraud, reducing financial exposure, and maintaining robust risk management practices, you will safeguard the company's financial health and uphold its reputation in the industry
- The CRU Risk Analyst at Payabli plays a critical role in maintaining the integrity and security of our payment ecosystem
- This position is responsible for monitoring merchant activity, analyzing transaction risk, supporting chargeback and dispute processes, and ensuring ongoing compliance with payment network and regulatory standards
- The analyst will work closely with cross-functional teams to evaluate merchant behavior, investigate anomalies, and proactively mitigate potential threats
- Risk Monitoring & Mitigation
- Implement and maintain a real-time risk monitoring dashboard to track transaction anomalies, fraud flags, and volume spikes
- Refine existing detection rules to reduce false positives and improve actionable alerts by at least 10%
- Analyze transaction-level data to identify and document top risk trends among the merchant base
- Risk Inquiry Handling & Merchant Support
- Respond to inbound merchant risk inquiries and escalation cases with a 20% reduction in average response time
- Develop and follow a standardized inquiry resolution playbook to ensure consistent and effective communication
- Handle high-risk merchant cases end-to-end, reducing escalations to senior management by improving first-touch resolutions
- Chargeback Management & Prevention
- Monitor and triage incoming chargebacks, contributing to a 10% improvement in response speed through optimized workflows
- Assist in the development and dissemination of a merchant-facing chargeback prevention guide
- Track and analyze dispute data to identify key causes and prevention opportunities
- Ticket Increases & Bank Update Risk Reviews
- Evaluate high-ticket and monthly volume increase requests using a structured risk scoring model
- Review and approve bank account updates while ensuring standard documentation is received and validated
- Support SLA goals by processing 95% of risk reviews within defined internal deadlines
- PCI & Regulatory Compliance
- Collaborate with internal teams and merchants to increase PCI compliance rates by 15% through targeted outreach and education
- Support internal audits of payment compliance processes, contributing to the identification of process improvements
- Maintain compliance tracking tools and help monitor adherence to network and regulatory standards
Our take
Though often overlooked as a necessity and functional aspect of doing business, Payabli is a software company that actually elevates what payments are capable of bringing to a company. Payabli’s platform aims to make payments not just a function that employees don’t think twice about, but something that can enhance their customers' experiences.
With an increasing number of companies migrating from legacy payment software to vertical SaaS (operationally specific) providers, Payabli is carving out a niche in the competitive space through simultaneous payout automation, stack optimisation, and customer payment services all on one platform.
Payabli’s focus on high-growth SaaS companies as its customers could be a slight gamble, given the turbulence in the sector, possibly leading to problems with customer retention. Payabli has not had any trouble so far, though, having tripled its growth in 2022 and benefiting from two rounds of funding within one year. It received further funding in 2025 and plans to use it to develop its products, particularly AI-driven personalisation experiences for customers.
Kirsty
Company Specialist at Welcome to the Jungle
Company
Funding (last 2 of 4 rounds)
Jun 2025
$28m
SERIES B
Jun 2024
$20m
SERIES A
Total funding: $60m
Company benefits
- Stock options with the potential to unlock more equity as we grow
- Flexible PTO and paid parental leave
- Medical, dental, & vision insurance401K, HSA, pre-tax savings programs
- Option to be fully remote or hybrid
- Monthly education fund to spend on anything that enhances your skills or gets you one step closer to your passion goals
Company HQ
Coral Way, Miami, FL
Leadership
Joseph Elias Phillips
(Co-Founder)Currently Member Board Of Directors at Bold Communities. Previously Managing Director at Centavo, Head of Sales at ServiceTitan, Sales Manager at GrubHub Seamless.
William Corbera
(Co-Founder & Product Architect)Previously Co-Founder and Head of Product at RevoPay.
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