Risk Specialist

pmtbox•Orem, UT

3h•Onsite

About The Position

You’ll work directly with clients, internal operations teams, and leadership to help identify, investigate, and reduce payments-related risk across the pmtbox platform. This role sits at the intersection of risk operations, fraud analysis, customer support, operational problem-solving, and systems thinking. Expect to investigate payments-related risk events, fraud indicators, chargebacks, and operational anomalies, monitor customer accounts, payment behaviors, and transactional patterns, help clients understand and navigate payments-related operational challenges, work cross-functionally with Operations, Engineering, Customer Success, and Leadership to resolve issues, identify trends, root causes, and opportunities to improve risk controls and operational workflows, assist with account reviews, escalations, and client communications related to risk events, improve internal documentation, workflows, tooling, and operational processes, help build scalable operational playbooks as the company grows, and use data, judgment, and systems thinking to make thoughtful risk-related decisions. This is not a heavily layered corporate environment with endless meetings and rigid departments. Our team is intentionally small, collaborative, and high ownership. We move quickly because the people here are thoughtful, accountable, and willing to solve problems together. You’ll work closely with Founders and Leadership, Operations, Engineering, Customer Success, and enterprise customers. There will be ambiguity. Processes will evolve. Priorities may shift. We’re looking for people who are energized by that environment rather than frustrated by it. You won’t succeed here by waiting for someone to hand you perfectly documented instructions. You’ll succeed by taking ownership and staying calm under pressure, thinking critically and asking thoughtful questions, communicating clearly and professionally, identifying patterns and operational inefficiencies, and solving problems proactively rather than reactively.

Requirements

3-7+ years of experience in risk operations, fraud operations, payments, trust & safety, financial operations, customer operations, compliance operations, or a related role
Experience working in fintech, SaaS, ecommerce, banking, payments, or operational environments
Comfortable analyzing data, patterns, workflows, and operational problems
Can communicate confidently with both technical and non-technical stakeholders
Stay organized while managing multiple priorities and investigations simultaneously
Think beyond tasks and into systems, process improvements, and operational scalability
Naturally curious, detail-oriented, and solutions-focused
Maintain sound judgment when situations are messy or ambiguous

Nice To Haves

Experience with payments, chargebacks, fraud prevention, card processing, ecommerce operations, or operational risk management

Responsibilities

Investigate payments-related risk events, fraud indicators, chargebacks, and operational anomalies
Monitor customer accounts, payment behaviors, and transactional patterns
Help clients understand and navigate payments-related operational challenges
Work cross-functionally with Operations, Engineering, Customer Success, and Leadership to resolve issues
Identify trends, root causes, and opportunities to improve risk controls and operational workflows
Assist with account reviews, escalations, and client communications related to risk events
Improve internal documentation, workflows, tooling, and operational processes
Help build scalable operational playbooks as the company grows
Use data, judgment, and systems thinking to make thoughtful risk-related decisions