• Own end-to-end financial modeling for retailer partnerships, including pricing strategies, incentive structures, unit economics, and ROI analyses with scenario and sensitivity testing. • Partner with Retail Partnerships and Deal Desk to translate strategy into clear financial outcomes; support negotiations with data-driven recommendations and crisp trade-off frameworks. • Build and maintain driver-based forecasts for a portfolio of retailer deals; establish KPIs, track performance vs. plan, and surface insights that improve margin and payback. • Design and standardize scalable templates, playbooks, and dashboards that streamline diligence, approval, and post-close performance management. • Create executive-ready materials—models, memos, and presentations—that distill complex analyses into clear narratives and decisions. • Collaborate cross-functionally with Data Science, Accounting, Revenue Operations, and Legal to ensure operational feasibility, policy alignment, and accurate financial treatment.

• Own end-to-end financial modeling for retailer partnerships, including pricing strategies, incentive structures, unit economics, and ROI analyses with scenario and sensitivity testing. • Partner with Retail Partnerships and Deal Desk to translate strategy into clear financial outcomes; support negotiations with data-driven recommendations and crisp trade-off frameworks. • Build and maintain driver-based forecasts for a portfolio of retailer deals; establish KPIs, track performance vs. plan, and surface insights that improve margin and payback. • Design and standardize scalable templates, playbooks, and dashboards that streamline diligence, approval, and post-close performance management. • Create executive-ready materials—models, memos, and presentations—that distill complex analyses into clear narratives and decisions. • Collaborate cross-functionally with Data Science, Accounting, Revenue Operations, and Legal to ensure operational feasibility, policy alignment, and accurate financial treatment.

• Facilitate the development and consolidation of forecasts and long-range financial plans. • Analyze variances and provide clear, actionable recommendations to business leaders. • Partner with department leaders to evaluate assumptions and improve financial predictability. • Develop dashboards, models, and reporting tools to support decision-making. • Leverage advanced analytics, financial technologies, and emerging AI tools to enhance forecasting, automate reporting, and improve decision-making. • Identify opportunities to integrate automation, machine learning models, or data visualization tools to drive efficiency and deeper financial insights. • Support balance sheet strategy, including liquidity planning, cash management, and investment portfolio. • Assist in interest rate risk modeling and financial scenario analysis. • Provide recurring and ad hoc analysis to guide financial performance and capital allocation. • Facilitate enterprise risk management (ERM) program and semi-annual risk assessments. • Collaborate with business units to identify, assess, and mitigate financial and operational risks. • Enhance risk reporting frameworks and ensure alignment with organizational objectives. • Evaluate and support business investments through ROI modeling, cost-benefit analysis, and ongoing performance tracking, while delivering product-level profitability insights to inform pricing, growth, and strategic decision-making. • Perform general ledger analysis, reconciliation, and ensure integrity of financial data. • Maintain and update financial policies, procedures, and internal controls. • Ensure compliance with GAAP, regulatory requirements, and internal standards. • Partner with leaders across the organization to deliver financial insights and recommendations. • Communicate complex financial concepts clearly to non-financial stakeholders. • Promote a collaborative, service-oriented work environment. • Stay informed of industry trends, regulatory changes, and emerging technologies. • Identify opportunities to improve processes, reporting capabilities, and financial performance.

Role Description As a Payments Fraud Investigator, you will play a critical role in safeguarding our financial ecosystem by investigating high-risk accounts and identifying various forms of fraud. You will conduct deep-dive analyses of merchant accounts, lead cross-functional projects, and collaborate with stakeholders to enhance our fraud detection and prevention strategies at scale. Your expertise in fraud patterns and typologies will be essential in developing and enhancing investigative processes and programs. Responsibilities - Analyze high risk accounts to identify fraudulent merchants, card testing, account takeovers, and other fraud vectors. - Lead root cause analyses to identify gaps in current systems, policies and strategies, and determine enhancements and process improvements to address emerging fraud risks through collaboration with key stakeholders. - Drive cross-functional projects aimed at refining operational processes and tools, enhancing the detection and management of fraudulent accounts across our global analyst network. - Investigate, mitigate, and remediate urgent fraud incidents, such as card testing and account takeover, and manage user responses to high-urgency distributed fraud attacks. - Communicate regular updates during team and organization-wide business reviews, summarize outcomes of complex investigations for executives, and deliver clear case determinations to users and partner financial institutions. - Travel to vendor locations to conduct analyst training sessions and knowledge-sharing initiatives, while identifying challenges and enhancing analyst performance to improve overall outcomes. Qualifications - 3+ years of experience conducting complex investigations. - 1+ years of experience leading risk-related projects and initiatives, collaborating effectively with cross-functional stakeholders. - Demonstrated ability to leverage data to propose solutions for both tactical and strategic challenges. - Proactive approach to challenging the status quo, with a willingness to question existing processes and advocate for improvements. - User-centric perspective when addressing challenges, balanced with a pragmatic and solutions-oriented mindset. - Ability to travel to vendor locations for up to 10% of the year. Requirements - Experience in payments, e-commerce, social media, or fintech, mitigating digital/card-not-present fraud. - Experience investigating and mitigating card testing and account takeover attacks. - Experience designing fraud/risk workflows, analyst tooling, and processes/procedural workflows. - Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations.