Risk Analyst (Epayment Fraud)

Travel is not just about the destination; it's about every memory made along the way. We are dedicated to shaping the future of travel by partnering with 200+ airline, hospitality, cruise, passenger rail, and financial services companies to create new, meaningful revenue streams through incredible customer experiences. Rooted in our core values of being ambitious, innovative, and collaborative, we are driven to continuously raise the bar, exceed expectations, and bring out the best in everyone, fostering a culture where we believe we are better together, working towards an extraordinary future in travel. Come help us transform everyday travel into extraordinary experiences.

Plusgrade is looking for a Risk Analyst to join our Risk and Payments team for a permanent position.

We're looking for a smart, detail-oriented, enthusiastic person with a passion for problem-solving. As an integral part of our Risk and Payments team, our Risk Analyst will be relied on to identify fraud and take corrective actions by collaborating with our team to quickly and effectively implement solutions. Our successful candidate will be a highly motivated individual with superior verbal and written communication skills, outstanding analytical skills, and demonstrated ability to handle changing priorities in a rapidly growing environment. The ideal candidate will be experienced in online business with eCommerce fraud detection and also have experience with rule-based fraud detection tools as well as a high level of Excel skills.

To be successful on the Risk and Payments team you must be:

A self-starter with a data-driven mindset and ability to keep track of emerging industry trends and Plusgrade's existing processes, to identify and contribute to solutions for any gaps that may be developing.

A quick learner who is able to apply your knowledge and experience to novel scenarios and determine the appropriate course of action in a well-reasoned way.

Have a collaborative and team-oriented outlook.

The ability to adapt and always be a constant learner (and a sharer of what you have learned!) is a must for this position.

Intellectually curious, data-driven, result-oriented, high in agility with a high desire to learn and contribute.

As our successful Risk Analyst, you will perform a critical function in preventing fraudulent transactions for our partners, enhancing our fraud procedures, achieving the goal of reducing chargebacks through rule management, data analysis and manual review efforts and liaising with many of the world's largest loyalty programs. We are looking for someone who has the innate curiosity, tenacity and persistence needed to constantly be researching and investigating online fraudulent activities to ensure our good customers get through with as little friction as possible. This role reports to the Risk and Chargeback Manager. Here's how you'll make an impact:

-Identify, analyze, and interpret fraud and gaming trends or patterns on large complex data sets, and present findings to stakeholders

-Ensure a low-friction experience for legitimate users

-Track and provide statistical insights and patterns related to fraud, refunds and chargeback (Fraud & Service) levels across our products and partners

-On a daily basis, liaise with the team to articulate any new threats, wider fraud ring activity and or noted financial risk trends uncovered through your analysis so that new rules or processes can be implemented

-Collaborate with external and internal stakeholders to assist with investigating the root cause of losses

-Provide regular written and verbal feedback on identified fraud patterns for presentation to our partners and internal team members

-Track and maintain fraud incident reports and other related analyses to support the overall chargeback KPIs

-Querying data from complex and or disparate data sets using SQL, Python or similar querying language

-Conducting online investigations using open-source and/or database research

-Subject matter expertise in web authentication and security best practices

-Identify active and impending threats and outline prevention, remediation, and mitigation recommendations

-Assist in the creation of proactive, automated fraud prevention/response efforts

-Create written reports/adverse action documentation.

-Communicating complex scenarios to a variety of audiences.

-Perform a thorough manual review of queued transactions to determine the likelihood of fraud and subsequently approve/reject said transactions

-2-5 years' knowledge of the global banking and payment industry, payments transaction data, ecommerce fraud, loyalty fraud and financial fraud is required

-University/College degree or equivalent working experience

-Advanced Excel skills required (Pivot Tables, VLookups, Macros, etc.)

-Strong practical knowledge of, and proven experience with, analytical software packages and various programming languages (like -SQL(including nested queries and complex joins), Python, R etc.)

-Some experience with building Tableau dashboards/reporting or other data visualization tools would be a plus

-Excellent computer skills with advanced skills in Internet searching and online databases

-Previous experience using Cybersource, Adyen, Kount experience would be a plus.

-Knowledge in Machine Learning, Data Mining and Statistics analysis would be a plus.

-Strong written and oral communication skills, exceptional organizational skills with the ability to multitask and prioritize

-Strong attention to details and analytical skills like pattern recognition, identification of inconsistencies and deductive reasoning

-Strong customer service and relationship management skills

-Ability to work towards and meet deadlines

-Ability to work under pressure and make accurate on the spot decisions

-Ability to work weekends and statutory holidays is required

🏦 RRSP/401(k) Matching

🏥 Comprehensive Health Plans

📅 Flexible Paid Time Off

✈️ Travel Experience Credit

🧘 Annual Wellness Credit

🥗 Team Events and Monthly Lunches

💻 Home Office/Commuter Credit

🌅 Work From Anywhere Program

🍼 Parental Leave Top Up

🌍 Adventure Pass

Plusgrade is an equal-opportunity employer and is committed to providing an accessible recruitment process. We welcome applications from all qualified individuals and are committed to equal employment opportunities regardless of gender identity or expression, race, ethnic origin, creed, place of origin, age, sex, marital status, physical or mental disability, sexual orientation, and any other category protected by law. Upon request, we will provide accommodation for applicants with disabilities.

We believe in diversity and inclusivity and that is why our interview process is designed for a positive candidate experience and to ensure every candidate is evaluated equally. All applications will be reviewed by our Talent Team and the successful candidate(s) will go through the following recruitment process:

• Recruiter Phone Interview

• Short SQL Exercise via screenshare

• Hiring Manager Interview

• Take-home Assessment or remote coding exercise (if applicable)

• Team Interview

All candidates will be provided with feedback regardless if they pass or didn't pass any of our interview stages. All your information will be kept confidential.