Payments Risk Analyst

Hi there! Thanks for stopping by 👋 Are you actively looking for a new opportunity? Or just checking the market? Well… you might just be in the right place! We’re looking for an experienced Payments Risk Analyst II based in Belfast to join our Global Risk team. In this role you will independently manage less-defined and more complex risk work while contributing to team projects and operational improvements. This role builds on Analyst I capability by recognising patterns, expanding findings, suggesting solutions, and applying sound judgement with minimal direction.   What you’ll be doing: Reporting to the Risk Operations Lead, you will be responsible for daily monitoring within multiple risk queues along with various operational tasks including but not limited to: Manage complex transaction, merchant, onboarding, fraud, credit, and compliance cases across risk queues, owning end-to-end assessments using merchant,business, account, transaction, and other risk signals. Apply company, partner, supportability, and restricted-product policies to less-defined reviews with minimal direction, weighing competing factors and making sound decisions with imperfect information. Use reports, risk signals, case trends, operational data, and web-service tools to identify emerging threats, high-risk or suspicious activity, and opportunities for proactive mitigation. Balance portfolio protection and chargeback risk by assessing chargeback likelihood alongside the merchant’s capacity to repay. Resolve compliance violations and complex cases, identify material risks, escalate unresolved issues appropriately, and contribute to resolution and follow-up. Identify recurring issues, control gaps, and risk patterns across tools, workflows, queues, policies, and playbooks, and recommend practical improvements. Produce concise case summaries, findings, recommendations, and decision rationale; maintain accurate documentation and contribute to knowledge material, playbooks, and team learning. Lead complex customer communications and collaborate with Support, FS Merchant Services, Product, risk analysts, and other teams to resolve shared problems. Contribute to incidents, complex reviews, trend investigations, projects, process improvements, and team best practices while prioritising competing work effectively. What you need to bring: We are looking for a highly analytical and collaborative professional with experience within a relevant analyst role along with: 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. Interest in deepening existing knowledge on fraud, credit risk, merchant risk, and payments and suggesting improvements based on said knowledge. 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 We know that people are more than what’s on their CV. If you’re unsure that you have the right profile for the role... hit the ‘Apply’ button and give it a try! What’s in it for you: Come live the Lightspeed Experience… Genuine career growth opportunities based on performance within a company that's continuously expanding Work with highly skilled people who are as passionate about Fraud & Risk as you are An environment that encourages initiatives and leadership Work in a team big enough for growth but lean enough to make a real impa