Job Description
Join a movement in which everyone can win. We started a movement in which everyone can win shoppers, retailers, society and every person on our team. To play fair, trust people and reward them for doing the right thing. We see and feel the impact of our work as more and more people gain financial freedom and retailers grow across the globe.
Founded five years ago in Sydney, Australia, Afterpay has millions of active customers globally and is offered at the world’s best retailers around the world including Anthropologie, Revolve, DSW, GOAT, Finish Line, Levi’s, Mac Cosmetics, Ray-Ban and many others. Afterpay is on a mission to power an economy in which everyone wins. Afterpay is completely free for customers who pay on time helping people spend responsibly without incurring interest, fees or extended debt.
Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. We are focused on supporting our community of shoppers. We trust in the next generation and share a vision of a more accessible and sustainable world in which people are rewarded for doing the right thing.
The Opportunity As Afterpay’s Associate Analyst, Merchant Risk Operations, you’ll work on the global Risk and Analytics team focusing on Merchant Risk, using best practices to identify and mitigate all merchant issues we face. You will assist in the prevention, detection, reporting, and mitigation of high-risk merchant issues using a variety of tools, including Office, G Suite, Salesforce, Zendesk, and SQL.
We are much more than our job descriptions, but here’s where you will begin.
Become a subject matter expert in Merchant Risk Vet, underwrite, and onboard merchants that align with Afterpay’s merchant risk appetite Prevent, detect, investigate, report, and mitigate high-risk merchant account activity to minimize Afterpay’s exposure to merchant related loss from Financial risks (Merchant Fraud and Merchant Credit) Communicate with your peers and cross-functional partners regarding risk trends, patterns, insights, and other high-risk merchant activity Challenge the status quo working collaboratively as well as independently on projects focused on improving internal methods, policies, and internal tools Prioritize and triage workflow as daily demand requires Assist with building and maintaining reports as needed or assigned Assist with drafting policy and/or SOPs as needed or assigned Perform various risk-related duties as assigned
Who are you? (Qualifications) Like us, you’ll be deeply committed to delivering positive outcomes for customers and passionate about shaping the future of Afterpay. You like to keep it real with your actions, be brave with your decisions, do the right thing for all our stakeholders and shape the future with excitement.
Minimum 1 years of experience working in a Risk Operations related role (Financial Technology, Payments, and/or E-commerce experience preferred) Exceptional communication skills, both written and verbal, with strong capabilities to articulate extensive investigation results and action plans with the cross-functional team. Self-starter, intellectually curious and comfortable operating in a fast-paced, ever-changing environment Passionate problem solver and strategic thinker with strong analytical and creative problem-solving skills. Able innovatively work your way around roadblocks Comfortable with making complex decisions with potentially large financial implications Exceptional time management skills. Has the ability to multi-task and triage the evolving responsibilities of the role Detective sense. Demonstrate high attention to detail and a natural intuition to quickly identify when and why something is wrong Exercise discretion, sound reasoning, and judgment. Possess moderate to advanced Excel skills. Proficiency in pulling and interpreting data using reporting software.
Preferred Qualifications
2+ years experience working in payments with a background in Merchant Credit Risk Management, Merchant Account Underwriting, Fraud Investigation, Chargeback Analysis, and/or Compliance Risk in the payments or financial technology industry Basic understanding of SQL and similar languages with the ability to manipulate and draw insights from data. Ability to read and interpret financial documents Willingness to work out of normal working hours when necessary.
How we reward you. We have a pay for performance culture so you can expect to be rewarded for high performance. We pride ourselves on fairness and offer a competitive total reward package made up of salary, incentives and benefits including the opportunity to enroll in our share matching plan.
We have a strong focus on health and wellbeing at Afterpay
Job Specification