Payment Operations & Risk Analyst
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Job Description
Payment Operations & Risk Analyst overseeing payment operations and risk management for a Series B SaaS philanthropy platform. Collaborating across teams to optimize workflows and enhance transaction security.
Responsibilities:
- Manage and support Overflow’s payment operations across cash and non-cash giving workflows, including stock donations, payment processing, reconciliation, and transaction support
- Analyze payment activity, operational trends, and risk indicators to identify issues, improve processes, and reduce operational friction
- Review merchant and client applications, validate documentation, and support Know Your Customer (KYC) and Know Your Business (KYB) verification processes
- Monitor transaction activity for fraud, chargebacks, returns, and other payment-related risks while escalating complex issues as needed
- Investigate payment discrepancies, operational issues, and transaction anomalies to identify root causes and drive resolution
- Support underwriting and risk review processes by analyzing financial information, business models, transaction behavior, and exposure levels
- Collaborate cross-functionally with Product, Engineering, Finance, Customer Success, and Operations teams to improve payment workflows and internal systems
- Assist in scoping operational improvements, documenting requirements, and supporting testing for new tooling and automation initiatives
- Track operational KPIs including approval rates, chargeback ratios, payment declines, processing trends, and risk-related metrics
- Support the end-to-end stock donation process including transfer coordination, liquidation tracking, payout allocation, and operational compliance
- Maintain accurate operational documentation and support audit, compliance, and reporting requirements
Requirements:
- 1–4 years of experience in payment operations, risk analysis, fraud operations, fintech operations, financial operations, or related fields
- Strong analytical and problem-solving skills with high attention to detail
- Ability to analyze operational data, identify trends, and make sound judgment-based decisions
- Strong organizational skills and ability to manage multiple priorities in a fast-paced environment
- Excellent written and verbal communication skills with the ability to collaborate cross-functionally
- Comfort working with operational systems, spreadsheets, reporting tools, and payment platforms
- Ability to navigate ambiguity while maintaining operational accuracy and accountability
- Self-starter mentality with strong ownership and process-oriented thinking
- Alignment with Overflow’s mission, values, and commitment to operational excellence
Benefits:
- Competitive base salary with equity and bonus eligibility
- Medical, dental, and vision coverage for employees and dependents
- Generous paid time off and company holidays
- Paid parental leave
- 401(k) retirement plan
- Dedicated mental health and therapy stipend to support personal well-being
- Team retreats and intentional in-person gatherings throughout the year
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