Payments Risk Analyst

The role

You will manage complex risk work including transaction, merchant, onboarding, fraud, credit, and compliance cases. You will monitor risk queues, identify emerging threats, and recommend process improvements.

What you will do

• Manage complex transaction, merchant, onboarding, fraud, credit, and compliance cases
• Apply company, partner, supportability, and restricted-product policies
• Use reports and risk signals to identify emerging threats and suspicious activity
• Balance portfolio protection and chargeback risk
• Resolve compliance violations and complex cases
• Identify recurring issues, control gaps, and risk patterns
• Produce concise case summaries, findings, and recommendations
• Lead complex customer communications and collaborate with other teams
• Contribute to incidents, trend investigations, and process improvements

Required qualifications

• 2 years of experience in payments, fraud, credit risk, compliance, or financial services operations or related discipline
• Exposure to structured workflows, case management, queues, or service-level targets
• Experience working with written procedures and maintaining accurate records
• Knowledge of Card Scheme rules and regulations
• Understanding of the full Chargeback flow and process
• Understanding chargeback risk timeframes
• Strong working knowledge of Excel/Google Sheets
• Good conceptual thinking with proven analytic, problem-solving and effective reporting skills
• Experience managing structured case work with increasing complexity and limited direction
• Ability to work independently and make decisions based on available information
• Ability to work in a dynamic fast-paced environment with tight deadlines

Nice to have

• Interest in deepening existing knowledge on fraud, credit risk, merchant risk, and payments and suggesting improvements based on said knowledge

Benefits

• Lightspeed equity scheme
• Flexible Paid Time Off
• Private Medical Insurance and cash health plan for optical, dental and more
• Health & Wellness Credit up to 400 GBP per year
• Mental Health Support through the LifeWorks and Modern Health Apps
• Time off to volunteer
• Transit / parking benefit
• A variety of drinks & snacks in our offices in Belfast

About the company

Lightspeed is a cloud commerce platform that helps merchants innovate to simplify, scale, and provide exceptional customer experiences. Founded in Montréal in 2005, the company serves retail, hospitality, and golf businesses in over 100 countries.