Payments Operations & Fraud Analyst

Blackbird Labs Inc•New York, NY

2d•$120,000 - $150,000

About The Position

As our Senior Payments Operations & Fraud Analyst, you'll be the first dedicated owner of payments operations and fraud at Blackbird. You'll own end-to-end visibility into how money moves across consumer payments, payouts, and $FLY rewards, while setting our dispute rate strategy and defining our fraud management strategy and operations. You'll build our ops and fraud tooling from the ground up alongside engineering, evaluating ways to scale as we grow.

Requirements

4-7 years in payments operations, fraud operations, or risk analytics at a fintech, payments company, or marketplace
Deep familiarity with dispute and chargeback lifecycles, ACH return codes, and fraud typologies
SQL fluency; you pull your own data and bring evidence to every recommendation
Clear, concise written communication; you can summarize an incident in three sentences for an exec audience
High ownership and bias toward systematic fixes over one-off heroics

Nice To Haves

Experience standing up a payments ops or fraud function from scratch
Exposure to restaurant payments, hospitality tech, or two-sided marketplaces
Working knowledge of Nacha rules and return rate thresholds
Familiarity with processor dashboards (Stripe, Adyen, or similar) and payout infrastructure (Bill.com)

Responsibilities

Monitor whether money is moving from A to B as expected across all flows; build alerting that surfaces anomalies before customers feel them
Lead triage and resolution of consumer & restaurant payment issues
Process manual refunds and payout adjustments; establish and meet SLAs by issue category
Ensure Bill.com balance is healthy, restaurant payouts are accurate, and operator-facing accounting is usable
Own our dispute rate and proactively identify areas of risk exposure
Define and operate fraud rulesets, account suspension logic, and escalation processes
Investigate ATO, synthetic identity, first-party, and friendly fraud; translate patterns into rule and product changes
Manage account recovery and un-suspension edge cases
Partner with engineering to build ops and fraud tooling from scratch; evaluate third-party partners as we scale
Synthesize support and incident patterns into prioritized root-cause fixes
Reduce on-call engineering burden by being the first line of investigation