Analyst 2 - Acquiring Risk Monitoring

Company Description

We’re Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day.

We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers.

Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale.

If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact.

With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started.

An Analyst II within the Risk Monitoring Team is responsible for independently managing high-priority and complex investigations in line with relevant policies and processes, supporting the risk assessment and monitoring of our global e-commerce merchants’ portfolio. In this role, you will review alerts generated by our in-house monitoring tools, conduct detailed quantitative and qualitative analyses, exercise sound risk-based judgement, and make informed decisions and well-reasoned recommendations. You will liaise with internal and external stakeholders, clearly communicate the results of your findings, and accurately document investigations in our case management tool. Through your reviews, you will identify potentially fraudulent or high-risk merchants, as well as genuine merchants who may be victims of fraud, and recommend appropriate actions to mitigate risk in both scenarios.

What your responsibilities will be:

• Demonstrate a proficient understanding of acquiring risk and maintain an in-depth working knowledge of card schemes’ rules.

• Conduct comprehensive background checks on merchants and perform in-depth analysis and risk investigations using multiple internal and external resources, with a focus on high-priority and complex cases.

• Complete complex tasks and milestones within tactical initiatives, special projects, and process-improvement activities.

• Assist with quality assurance and mentor Analyst I colleagues by providing guidance and support, particularly on complex investigations.

• Educate merchants and relevant stakeholders on fraud and dispute-management practices to support effective risk mitigation.

• Create and communicate clear reports to relevant stakeholders on merchant risk concerns, investigation outcomes, and recommended actions.

• Use AI tools effectively and responsibly to support research, analysis, documentation, and operational efficiency, while applying appropriate human judgement and oversight.

• Suggest innovative ideas and provide feedback to enhance processes, controls, tools, and infrastructure, striving for continuous improvement in risk-monitoring operations.

What you will need to be successful (skills and competencies)

• Bachelor’s degree, preferably in Risk, Management, Finance, Business, Mathematics, Economics, or a related field, with a minimum of three years of experience in a similar role.

• Demonstrable knowledge or experience in the payment processing industry, e-commerce, acquiring risk, fraud and dispute management, and card schemes’ rules.

• Proficient in managing structured processes and consistently identifying opportunities to streamline approaches and improve operational efficiency.

• Exceptional analytical, critical-thinking, problem-solving, and decision-making skills, with the ability to make informed, risk-based decisions in complex and time-sensitive situations.

• Skilled at working collaboratively and communicating effectively, with the ability to positively influence stakeholders across various departments.

• Capable of adapting to fast-paced and agile settings while managing demanding timelines, priorities, and schedules.

• Proficient in English; additional fluency in French is a plus.

• Demonstrates acute attention to detail, strong organisational skills, and effective time management.

• Strong mentoring and training abilities, with the confidence to guide and support less experienced analysts.

• AI fluent, with the ability to evaluate AI-generated outputs critically and use AI tools effectively and responsibly in risk-monitoring activities.

Experience you will bring to the role:

• As an Analyst II, you are expected to bring your experience in performing relevant analyses and conducting investigations for suspected fraudulent merchants and action flags in a timely manner.

• You should possess strong verbal and written communication skills to document and articulate the requirements, analysis and recommendations in a clear and concise manner to the stakeholders and customers.

• You must have a solution-driven approach with exemplary investigative and critical thinking skills.

• You must also be detail-oriented, capable of multitasking, working independently with little supervision, and possessing good decision-making, time management, and organizational skills.

• You will assist in mentoring and guiding junior analysts, ensuring knowledge transfer and skill development. You should also possess the ability to escalate and resolve complex issues and questions, serving as a primary point of contact for such matters.

• You should demonstrate proven ability to assist in projects and collaborate effectively with cross-functional teams.

Additional Information

Bring all of you to work

We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram