Payment Operations & Risk Analyst

Overflow

2d•Hybrid

About The Position

Overflow is a Series B Silicon Valley technology company with a bold mission: to inspire the world to give. We are a B2B SaaS philanthropy platform that enables modern giving across cash, stock, and crypto for nonprofits, churches, and mission-driven organizations. Backed by leading investors including Uncork Capital, Craft Ventures, and Village Global, Overflow builds secure, beautifully designed infrastructure that powers generosity at scale. Overflow operates with a flexible work model. While there is no company-wide in-office requirement, some teams may establish in-person collaboration rhythms based on their function, goals, and team needs. We maintain offices in Los Gatos, CA and Birmingham, AL for team collaboration, coworking, meetings, and intentional in-person connection. Candidates should be comfortable participating in occasional in-person gatherings or team-specific onsite expectations, depending on their role and department.

Requirements

1–4 years of experience in payment operations, risk analysis, fraud operations, fintech operations, financial operations, or related fields
Strong analytical and problem-solving skills with high attention to detail
Ability to analyze operational data, identify trends, and make sound judgment-based decisions
Strong organizational skills and ability to manage multiple priorities in a fast-paced environment
Excellent written and verbal communication skills with the ability to collaborate cross-functionally
Comfort working with operational systems, spreadsheets, reporting tools, and payment platforms
Ability to navigate ambiguity while maintaining operational accuracy and accountability
Self-starter mentality with strong ownership and process-oriented thinking
Alignment with Overflow’s mission, values, and commitment to operational excellence

Nice To Haves

Experience working within fintech, payments, SaaS, banking, or financial services environments
Familiarity with payment processors such as Stripe, Adyen, Fiserv, or related platforms
Experience with chargebacks, fraud monitoring, underwriting, or transaction risk management
Exposure to nonprofit, philanthropy, or donor-advised fund ecosystems
Experience collaborating with Product or Engineering teams on operational tooling improvements
Familiarity with tools such as Excel, HubSpot, Zendesk, Linear, Notion, or similar operational systems

Responsibilities

Manage and support Overflow’s payment operations across cash and non-cash giving workflows, including stock donations, payment processing, reconciliation, and transaction support
Analyze payment activity, operational trends, and risk indicators to identify issues, improve processes, and reduce operational friction
Review merchant and client applications, validate documentation, and support Know Your Customer (KYC) and Know Your Business (KYB) verification processes
Monitor transaction activity for fraud, chargebacks, returns, and other payment-related risks while escalating complex issues as needed
Investigate payment discrepancies, operational issues, and transaction anomalies to identify root causes and drive resolution
Support underwriting and risk review processes by analyzing financial information, business models, transaction behavior, and exposure levels
Collaborate cross-functionally with Product, Engineering, Finance, Customer Success, and Operations teams to improve payment workflows and internal systems
Assist in scoping operational improvements, documenting requirements, and supporting testing for new tooling and automation initiatives
Track operational KPIs including approval rates, chargeback ratios, payment declines, processing trends, and risk-related metrics
Support the end-to-end stock donation process including transfer coordination, liquidation tracking, payout allocation, and operational compliance
Maintain accurate operational documentation and support audit, compliance, and reporting requirements