Senior Risk Analyst

What do we do?

Paddle offers digital product companies a completely different approach to their payment infrastructure. Instead of assembling and maintaining a complex stack of payments-related apps and services, we’re a Merchant of Record for our customers. That means we take away 100% of the pain of payment fragmentation. It’s faster, safer, cheaper, and, above all, way better. 

We’re backed by investors including KKR, FTV Capital, Kindred, Notion, and 83North and serve over 5000 software sellers in 245 territories globally. 

The Role:  

• As a Senior Risk Analyst you will report into the Onboarding and Risk Manager and will work within the Risk Team to help execute Paddle’s Risk Strategy.

• This position requires someone who can think outside the box, has a “can do” attitude, has strong risk experience in ecommerce/FinTech, and has willingness to learn and adapt in the ever changing world of risk and payments.

• Your day-to-day responsibilities will include reviewing alerts generated by our transaction monitoring solutions and other alert systems. You will investigate these alerts, open and conduct investigations into different suppliers, and take appropriate actions to protect Paddle from risk. You will need to be comfortable making decisions (at times based on limited information). For more complex investigations, you will prepare reports with recommendations for the Onboarding and Risk Manager. In instances of financial crime, you will need to manage SARs internally and provide expertise on escalations.

• Outside of your day-to-day responsibilities, you will be expected to help identify areas for improvement to strengthen Paddle’s risk profile.

What you'll do: 

• Investigate alerts generated by our third-party vendors, alert systems, and transaction monitoring solutions and assign tasks to analysts.

• Handle complex reviews, acting as a point of escalation, and working closely with other teams as a liaison in decision-making

• Monitor chargeback data to identify emerging trends and risks

• Work directly with suppliers to proactively resolve risk related flags

• Collaborate with internal teams on customer inquiries or Risk related issues

• Make confident judgement calls based on limited information

• Communicate in a clear and concise manner

• Assist with applying Card Scheme rules and global payment legislation

• Investigate instances of financial crime and write up findings on SAR escalations

• Continuously evaluate and provide feedback to improve risk processes and workflows.

• Assist in training junior analysts and provide guidance on complex investigations.

• Conduct secondary QA reviews on analysts’ cases ensuring accuracy and completeness

• Create and maintain process documentation ensuring Paddle's risk management practices are efficient and up-to-date.

We'd love to hear from you:

• You have 3-5 years working in Risk or financial crime (ideally within Merchant Acquiring, E-Commerce, or a similar role at a FinTech)

• You have experience reviewing PEPs & Sanctions, chargebacks, transaction-laundering and fraud alerts and handling complex KYB structures.

• You have experience with reviewing and writing suspicious activity reports (SARs)

• You have experience working with businesses to resolve risk related flags

• You have a solid understanding of scheme requirements

• You put a high value on accuracy and completeness of work

• You have the ability to communicate clearly, sensitively and effectively with customers while investigating suspicious activity

• You have strong data analysis and investigative skills, including preparing detailed investigation reports.

• You are proactive in learning new processes and procedures, and adapting to changing environments while constantly seeking efficiencies.

• You are confident at creating and editing process documentation and understand the importance of thorough, standardised procedures.

• You have experience of escalation handling and task delegation.

• You have experience in conducting QA reviews of peer risk cases.

• You have worked with 1LOD and 2LOD compliance and risk teams.

• Certifications in AML/financial crime or risk (e.g., ACAMS) are a plus.

Everyone is welcome at Paddle

At Paddle, we’re committed to removing invisible barriers, both for our customers and within our own teams. We recognise and celebrate that every Paddler is unique and we welcome every individual perspective. As an inclusive employer, we don’t care if, or where, you studied, what you look like or where you’re from. We’re more interested in your craft, curiosity, passion for learning and what you’ll add to our culture. We encourage you to apply even if you don’t match every part of the job ad, especially if you’re part of an underrepresented group.
Please let us know if there’s anything we can do to better support you through the application process and in the workplace. We will do everything we can to support any accommodations needed. We’re committed to building a diverse team where everyone feels safe to be their authentic self. Let’s grow together. 

Why you’ll love working at Paddle

We are a diverse, growing group of Paddlers across the globe who pride ourselves on our transparent, collaborative and respectful culture. 

We live and breathe our values, which are:

Paddle for others

Paddle together

Paddle simply

We offer a full suite of benefits, including attractive salaries, stock options, retirement plans, private healthcare and well-being initiatives. 

We are a ‘digital-first’ company, which means you can work remotely, from one of our stylish  hubs, or even a bit of both! We offer all team members unlimited holidays and enhanced parental leave. We invest in learning and will help you with your personal development via constant exposure to new challenges, an annual learning fund, and regular internal and external training.