Payments Risk Analyst

Lightspeed Commerce

. Independently manage less-defined and complex payments risk work .

Posted 10/22/2026full-timeBelfast • United KingdomJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in managing complex payments risk, fraud, and compliance cases while applying analytical skills to identify threats and recommend improvements. Proficient in maintaining documentation and collaborating across teams to enhance operational efficiency.

Highest-signal resume keywords

Payments Risk ManagementFraud DetectionCredit Risk AnalysisChargeback Process UnderstandingAnalytical Problem-Solving

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

PaymentsFraudCredit RiskComplianceCase ManagementOperational Data AnalysisExcelGoogle SheetsReportingDocumentation

Soft Skills

Independent Decision-MakingEffective CommunicationConceptual ThinkingCollaborationProblem-Solving

Tools & Technologies

Web-Service ToolsRisk SignalsOperational Data

Industry Keywords

Financial Services OperationsCard Scheme RulesChargeback FlowService-Level TargetsRisk Patterns

About the role

Key responsibilities & impact

Independently manage less-defined and complex payments risk work
Perform daily monitoring across multiple risk queues
Manage complex transaction, merchant, onboarding, fraud, credit, and compliance cases end-to-end
Apply company, partner, supportability, and restricted-product policies to reviews
Use reports, risk signals, case trends, operational data, and web-service tools to identify threats and suspicious activity
Assess chargeback likelihood alongside merchant repayment capacity
Resolve compliance violations and complex cases, escalate unresolved issues, and follow up
Identify recurring issues, control gaps, and risk patterns and recommend improvements
Produce case summaries, findings, recommendations, and decision rationale
Maintain documentation and contribute to knowledge materials, playbooks, and team learning
Lead complex customer communications and collaborate with Support, FS Merchant Services, Product, risk analysts, and other teams
Contribute to incidents, reviews, trend investigations, projects, process improvements, and team best practices
Report to the Risk Operations Lead

Requirements

What you’ll need

2 years of experience in payments, fraud, credit risk, compliance, financial services operations, or a related discipline
Exposure to structured workflows, case management, queues, or service-level targets
Experience working with written procedures and maintaining accurate records
Knowledge of fraud, credit risk, merchant risk, and payments
Knowledge of Card Scheme rules and regulations
Understanding of the full chargeback flow and process, including chargeback risk timeframes
Strong working knowledge of Excel/Google Sheets
Proven analytical, problem-solving, conceptual thinking, and effective reporting skills
Experience managing structured case work with increasing complexity and limited direction
Ability to work independently and make decisions based on available information
Ability to work in a dynamic, fast-paced environment with tight deadlines

Benefits

Comp & perks

Genuine career growth opportunities based on performance
Fun activities with teammates and social events throughout the year
Lightspeed equity scheme
Flexible Paid Time Off
Private Medical Insurance and cash health plan for optical, dental and more
Health & Wellness Credit of up to 400 GBP per year
Mental Health Support through the LifeWorks and Modern Health Apps
Time off to volunteer and give back to the community
Transit / parking benefit for travel to the Belfast office
Drinks and snacks in the Belfast offices
Inclusive and barrier-free workplace with accommodations available on request