ACH Analyst, Payments Risk Operations

Job Description

Posted on: 
January 10, 2023

As an ACH Analyst on the Payments Risk Operations team, you’ll be fully responsible for identifying and mitigating payments risk on one of our critical payment rails without negatively impacting core metrics and the broader customer experience. This role will report to the Manager of Payments Risk Operations, ACH and will be based remotely in the United States.


  • Identify, investigate and mitigate unauthorized ACH deposit activity.
  • Implement logic targeting bad actors and high-risk behavior associated with unauthorized deposit activity.
  • Measure ACH performance from a risk perspective, develop core fraud and abuse metrics, and create dashboards to track and understand them.
  • Proactively identify and close gaps in our monitoring.
  • Work with internal stakeholders in Product, Data Science and Engineering to develop and drive forward custom risk management strategies and techniques.
  • Use data to make risk decisions impacting large segments of our customer population; effectively measure and assess associated tradeoffs using quantitative analysis.
  • Synthesize data learnings into compelling stories and communicate them to Payments Risk leadership.

Job Requirements

  • 4+ years relevant experience
  • 2+ years fighting internet-based risk, abuse, or fraud in an e-commerce or financial services environment
  • 2+ years of experience in data analysis, working with databases, and querying (e.g., SQL, MySQL, etc)
  • Strong knowledge of ACH Network and applicable NACHA rules
  • BA / BS degree or equivalent practical experience
  • A passion for fighting fraud and abuse
  • Experience in data analyses using SQL
  • Experience with data visualization and storytelling using Looker, Tableau or other business intelligence platforms
  • Be able to independently create plans for analytics projects and build collaboration within the team
  • The curiosity to self-drive investigations, identify patterns, and find the root cause
  • Demonstrate our core cultural values: clear communication, positive energy, continuous learning, and efficient execution

Nice to haves:

  • Understanding of statistical concepts and experience in applying them.
  • Experience working with quantitative tools such as Python or R
  • Experience working with machine learning models and teams
  • An understanding of blockchain analytics and/or fraud trends within the cryptocurrency ecosystem.
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