Risk & Fraud Analyst

Vagaro•Pleasanton, CA

2d•$32 - $33•Onsite

About The Position

About the Role: Vagaro is looking for a detail-oriented and analytical Risk & Fraud Analyst to join our growing Vagaro Merchant Services (VMS) team. The digital fraud landscape is evolving rapidly, and we’re committed to protecting our merchants by identifying and mitigating risks before they impact business operations. In this role, you’ll monitor activity, investigate risk, and take action on accounts when needed. You’ll start by supporting merchant processing and onboarding risk, with increasing exposure to account and card transaction monitoring as new products roll out. You’ll work closely with cross-functional teams to execute our Global Anti-Fraud strategy and strengthen fraud prevention processes across the company. This is an onsite position based in Pleasanton, CA. Compensation: Base Hourly Wages: $32.00 - $33.00 Annual Bonus: Up to 10%

Requirements

Excellent written and verbal communication skills
Proficiency in Microsoft Office applications
Strong organizational skills with the ability to prioritize multiple tasks
Positive attitude and strong interpersonal skills
Problem-solving mindset with the ability to research and resolve complex issues
Adaptability and reliability in a fast-paced environment

Nice To Haves

Experience in fraud prevention, fraud operations, risk, banking support roles, or merchant processing
Knowledge of KYC/AML compliance, PCI DSS, and card network regulations (Visa, Mastercard, AMEX, Discover)
Familiarity with tools such as Plaid, EverC, and Cybersource
Background in payment processing, card programs, digital financial products, or fintech environments
Understanding of common fraud types (unauthorized transactions, account misuse, identity fraud)

Responsibilities

Merchant Onboarding & KYC Compliance
Review business and merchant applications to prevent and detect fraudulent signups
Conduct KYC (Know Your Customer) and AML (Anti-Money Laundering) due diligence
Research and validate businesses to ensure eligibility and compliance
Transaction Monitoring & Fraud Prevention
Monitor transaction patterns to identify and prevent fraudulent activity
Investigate suspected or confirmed fraud cases and provide actionable resolutions
Utilize fraud detection tools such as Plaid, EverC, and Cybersource
Adapt to new transaction types and risk signals as financial products evolve
Risk Assessment & Compliance
Assess high-risk merchants, industries, and activities to determine appropriate actions
Stay informed about evolving fraud trends, tools, and compliance requirements
Collaborate with internal teams to align fraud prevention strategies with business goals
Customer & Team Support
Respond to merchant inquiries via phone, email, or chat with accuracy and professionalism
Assist internal departments with fraud-related inquiries and risk mitigation efforts