Senior Risk Analyst

Route • Santa Monica, CA

35d • $76,000 - $93,000 • Hybrid

About The Position

As a Senior Risk Analyst, you’ll play a pivotal role in safeguarding Route and our merchant partners from financial risk. You’ll lead our risk mitigation strategy, oversee fraud prevention initiatives, and serve as a strategic thought partner to Legal, CX, and Product teams as we scale our risk framework and adapt to emerging threats. This role is ideal for someone who loves untangling complex problems and brings both sharp analytical skills and people leadership experience to the table.

Requirements

• 4+ years of experience in fraud prevention or risk operations, (ecommerce, fintech, or insurance preferred)
• Strong data analysis skills, including experience with tools like SQL, Looker, or similar
• Leadership experience with the ability to develop and mentor team members
• Proactive, curious mindset with a knack for identifying risk before it materializes
• Clear, confident communicator who can translate data into actionable insights
• Familiarity with fraud detection tools and third-party risk platforms
• Comfortable in a fast-paced, ever-changing startup environment

Responsibilities

• Develop and lead Route’s holistic fraud and claims risk mitigation strategy
• Mentor Risk Analysts, ensuring alignment with team goals and individual growth
• Identify fraudulent actors and behaviors through data analysis and investigation of claims
• Assess and monitor merchant accounts for trends that indicate financial risk
• Partner with third-party fraud prevention vendors and monitor performance
• Lead response efforts for abnormal fraud activity, conducting root cause analysis and implementing long-term solutions
• Collaborate cross-functionally with Legal, Compliance, and Claims teams to ensure risk policies align with regulatory requirements
• Collaborate with Product to build and refine processes that improve operational efficiency and reduce losses
• Support frontline teams with fraud-related inquiries, communication, documentation, and escalations
• Must be willing to work with team members to provide weekday coverage for our customers during the holidays

Benefits

• We offer to pay 95% - 100% of your health insurance premiums for you and your family, remote or hybrid work arrangements, unlimited PTO, 401k matching, formalized growth opportunities, learning & development, DEI programs & events, and so much more.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 101-250 employees