Senior Payment Risk Operations Specialist

The company is seeking a Senior Payment Risk Operations Specialist to lead the payment risk operations across the end-to-end payment lifecycle, addressing transaction, fund flow, and process-related risks. The role includes routine monitoring, rule-based alerts, and case analysis to identify payment risk scenarios, summarize risk patterns and behavioral characteristics, and propose actionable risk control recommendations.

Key Responsibilities:

• Lead Payment Risk Operations: Oversee payment risk operations covering the full payment lifecycle.
• Risk Review & Process Optimization: Conduct reviews and risk assessments for high-risk users or transactions, identify gaps in review processes, and drive improvements.
• Case Analysis & Investigation: Use analytics tools to perform deep dives into payment risk cases, understand abnormal transaction behaviors, and propose risk mitigation solutions.
• Risk Monitoring & Early Warning: Monitor payment risk trends and contribute to developing payment risk early-warning capabilities.
• Cross-Functional Collaboration: Collaborate with Business, Product, Engineering, Legal, and Compliance teams to enhance payment risk strategies.

Qualifications:

• Education: Bachelor’s degree or above in Computer Science, Mathematics, Statistics, Finance, or related fields preferred.
• Experience:
  • 3+ years in risk management within financial services, fintech, or consulting.
  • Prior experience in payment risk case analysis, transaction review, or fund risk handling preferred.

Skills & Competencies:

• Technical Skills: Proficient in data analysis tools (Hive, SQL, Excel) for data analysis and issue diagnosis.
• Risk Expertise: Understanding of payment risk operations frameworks and case analysis methodologies; familiarity with payment fraud patterns.
• Soft Skills: Strong logical thinking, communication, collaboration, detail orientation, and resilience under pressure.

Work Conditions:

• Full-time, on-site position.
• A supportive and enriching work environment with opportunities for professional development, team-building activities, and internal job opportunities for career growth.