Fraud Risk Analyst, Credit Strategy & Operations - Pay by Invoice

Amazon • Seattle, WA

1d

About The Position

Do you like helping small businesses grow? Do you enjoy working across
organizations and scaling programs? Come join us as at Amazon B2B Payments &
Lending! The Amazon B2B Payments & Lending team provides invoicing, working
capital and payment acceptance solutions to Amazon Business customers, sellers
and other small business customers across Amazon. We are part of the global
Consumer Payments organization, who aims to delight our customers by building
payment experiences and financial services that are trusted, valued and easy to
use from anywhere in any way.

B2B Payments and Lending is looking for a smart, motivated, and analytical Fraud
Risk Analyst to join our Credit and Fraud Management team. The successful
candidate will have a deep understanding of fraud related systems and hands-on
fraud investigation and analysis experience. This role involves high judgment
decision making, use/creation of fraud risk analytics, the ability to analyze
data patterns. The successful candidate will have a strong desire in innovating
processes, strong attention to detail and exceed expectations in a dynamic,
fast-paced and often ambiguous environment. The role will support fraud
operations for international expansions.

This role will report into the NA Credit Operations Manager based in Seattle,
WA.

The PBI Fraud team protects Customers, Selling Partners and Amazon financials
from bad actors and dis-incentivize abusive seller behavior to ensure we offer a
trustworthy experience. We are looking for a highly motivated Fraud Risk Analyst
to solve exciting business problems in large scale. This role will perform
comprehensive investigations to identify business problems and the root cause,
use data to locate emerging patterns of risk, and drive the implementation of
large scale solutions. This role will work directly with product and program
managers, machine learning scientists, subject matter experts across risk
domains, as well as regional stakeholders.

The team is responsible for making decisions on Amazon Business (AB) customers’
eligibility for the Pay By Invoice (PBI) payment product at initial assessment,
proactively and by request, while balancing spend opportunities and mitigating
credit/write off risk and fraud risk. Our mission is to drive the Amazon
flywheel by enabling credit on PBI for all eligible customers registering on AB
with best-in-class risk management.

Requirements

• 4+ years of compliance program management, legal, governance, audit, risk/loss prevention, or equivalent experience
• Bachelor's degree or equivalent
• 4+ years of fraud/risk investigations experience
• Working knowledge of SQL and Python, and experience in processing complex datasets from multiple sources
• Clear examples of demonstrated judgment and strategic insight
• Analytical and problem-solving skills, including the ability to recognize non-obvious patterns
• Knowledge of Microsoft Office products and applications at an advanced level
• Strong communication skills, both written and verbal
• Experience managing complex projects with multiple stakeholders

Nice To Haves

• 3+ years of program requirements definition and data and metrics leveraging to drive improvements experience
• MBA, CFA or Master's Degree in relevant fields
• Experience in managing credit risk program for an unsecured lending portfolio

Responsibilities

• Conduct deep dive investigations to derive business problems and define use cases in an ambiguous environment.
• Use data to make high judgement decisions and take direct actions to stop bad actors on worldwide stores as early as possible.
• Share risk insights with partner teams to constantly improve detection mechanisms.
• Manage risk mitigation projects designed to improve operational and process efficiency.
• Identify gaps and risks in current mechanisms and policies and recommend solutions to product/policy owning teams.
• Effectively prioritize opportunities and communicate with stakeholders/dependency teams to influence roadmaps.

Benefits

• Medical, Dental, and Vision Coverage
• Maternity and Parental Leave Options
• Paid Time Off (PTO)
• 401(k) Plan
• health insurance (medical, dental, vision, prescription, Basic Life & AD&D insurance and option for Supplemental life plans, EAP, Mental Health Support, Medical Advice Line, Flexible Spending Accounts, Adoption and Surrogacy Reimbursement coverage)
• 401(k) matching
• paid time off
• parental leave

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level