Payments Risk Analyst

Overview

As a Payments Risk Analyst at Lightspeed, you will own complex risk assessments across multiple risk queues, guiding decisions with limited direction. You’ll help identify emerging threats, balance chargeback risk with merchant repayment capacity, and drive operational improvements in a fast-paced environment. You’ll collaborate with cross-functional teams to resolve incidents and share learning through playbooks and knowledge updates. The role offers impact in safeguarding payments while supporting Lightspeed’s growth and customer experience.

Pay / Benefits

• Lightspeed equity scheme
• Flexible Paid Time Off
• Private Medical Insurance
• Health & Wellness Credit
• Mental Health Support
• Transit / parking

Responsibilities

• Manage complex transactions, merchant, onboarding, fraud, credit, and compliance cases across risk queues, performing end-to-end assessments
• Apply policies to less-defined reviews with minimal direction, weighing factors to make sound decisions
• Use risk signals, reports, and data to identify threats and opportunities for proactive mitigation
• Balance portfolio protection and chargeback risk based on merchant repayment capacity
• Resolve compliance violations and escalate unresolved issues as needed
• Identify recurring issues and risk patterns, propose practical improvements across tools and processes
• Produce concise case summaries, findings, and decision rationales; maintain documentation and contribute to knowledge materials
• Lead complex customer communications and collaborate with cross-functional teams to resolve issues
• Contribute to incidents, trend investigations, and process improvements while prioritising workload

Key requirements

• 2 years of experience in payments, fraud, credit risk, compliance, or financial services operations
• Experience with structured workflows, case management, queues, or service-level targets
• Experience following written procedures and maintaining accurate records
• Interest in deepening knowledge on fraud, credit risk, merchant risk, and payments
• Knowledge of Card Scheme rules and regulations
• Understanding of the full chargeback flow and risk timeframes
• Strong Excel/Google Sheets skills
• Analytical, problem-solving, and reporting skills
• Ability to work independently and make decisions with limited direction
• Ability to work in a fast-paced environment with tight deadlines

• analytical
• collaborative
• independent decision-making
• Excel/Google Sheets
• Card Scheme rules and regulations
• chargeback process

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