Senior Payments Risk Manager

Phoenix Ecommerce Technologies

. Proactively monitor Phoenix's portfolio of live merchants for emerging financial, fraud, operational, and compliance risks .

Posted 10/6/2026full-timeRemote • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in payments risk management, including transaction monitoring, fraud analysis, and merchant risk assessment. Proficient in developing risk mitigation strategies and improving investigation workflows to enhance operational efficiency.

Highest-signal resume keywords

Payments Risk ManagementTransaction MonitoringFraud AnalysisMerchant Risk AssessmentData-Driven Recommendations

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Transaction Data AnalysisChargeback MonitoringFraud InvestigationRisk Controls ImplementationMerchant Acquiring KnowledgeAnalytical JudgmentPattern RecognitionRisk Mitigation StrategiesInvestigation Workflow ImprovementPortfolio Management

Soft Skills

Strong Communication SkillsAttention to DetailAbility to PrioritizeComfort with AmbiguityTeam Collaboration

Tools & Technologies

Data Analytics ToolsRisk Monitoring ToolsDashboardsInvestigation Workflows

Industry Keywords

EcommerceDTCSubscriptionNutraceuticalDigital GoodsPayFacProcessorAcquirerISOPayment Gateway

About the role

Key responsibilities & impact

Proactively monitor Phoenix's portfolio of live merchants for emerging financial, fraud, operational, and compliance risks
Analyze transaction volume and velocity, processing trends and anomalies, chargeback and dispute activity, fraud patterns, refund activity, merchant performance, processing-behavior changes, and other elevated-risk indicators
Identify unusual patterns early and determine when deeper investigation or intervention is warranted
Own investigations into potentially concerning merchant or transaction activity
Analyze transaction data, processing history, merchant behavior, and other information to understand what is happening and why
Take investigations from initial signal through resolution, documenting findings and providing data-driven recommendations to Payments leadership
Recommend risk mitigation actions including reserves or reserve adjustments, funding holds, processing limits, enhanced monitoring, fraud controls, merchant remediation, additional documentation or diligence, and escalation to processors, acquiring partners, or internal leadership
Monitor portfolio-level and merchant-level chargeback and fraud trends, investigate root causes, and partner with internal teams on mitigation strategies
Improve risk alerts, monitoring rules, investigation workflows, reporting and dashboards, escalation processes, and risk tooling and automation
Collaborate with Payments leadership, Underwriting, Client Success, Product, Engineering, Operations, and Compliance
Provide findings and recommendations to support merchant communication and resolution; role is not primarily client-facing
Provide guidance to other team members as needed; people management is not the primary focus

Requirements

What you’ll need

5+ years of experience across payments risk, merchant risk, transaction monitoring, fraud, merchant acquiring, or related payments functions
Experience monitoring live merchant portfolios and transaction activity
Strong investigative skills with the ability to identify unusual patterns, determine root causes, and recommend appropriate action
Experience analyzing transaction data, processing trends, chargebacks, disputes, fraud, and other merchant risk indicators
Strong understanding of merchant acquiring and the payments lifecycle
Experience working with risk controls such as reserves, funding holds, processing limits, enhanced monitoring, or merchant remediation
Ability to independently own investigations from initial signal through findings and recommendations
Strong analytical judgment and attention to detail
Ability to prioritize and shift quickly as new risks or merchant issues emerge
Comfortable operating with ambiguity rather than relying exclusively on established processes or SOPs
Strong written and verbal communication skills
Ability to thrive in a fast-paced, high-growth environment
Preferred: experience with high-risk ecommerce, DTC, subscription, nutraceutical, digital goods, or other elevated-risk merchant portfolios
Preferred: experience within a PayFac, processor, acquirer, ISO, payment gateway, or embedded payments platform
Preferred: experience managing a large portfolio of live merchants
Preferred: experience with chargeback monitoring and fraud investigations
Preferred: experience building or improving transaction-monitoring rules, alerts, dashboards, or investigation workflows
Preferred: experience using data and analytics tools to identify portfolio-level risk trends
Preferred: experience in a startup or high-growth payments environment
Preferred: experience mentoring or guiding junior risk analysts