Company Overview:
Coinflow is a well-funded, high-growth startup headquartered in Chicago, dedicated to revolutionizing payments. We offer our merchants global payment options with instant settlement and fraud guarantees. This potent mix enables the next generation of online merchants and marketplaces. Over the past two and a half years, we’ve rapidly scaled our operations and solidified our position as a leader in the digital payments ecosystem, driving innovation and delivering seamless payment solutions for the future of digital commerce. Join our fast-expanding team to help shape the next generation of payments in a dynamic, collaborative, and fast-paced environment where your contributions have a direct impact on our continued growth trajectory.
Job Summary:
As a Risk Operations Analyst and early member of Coinflow’s Risk Strategy & Operations team, you will drive operational initiatives related to merchant underwriting, transaction risk management, and payment fraud prevention. This role requires an understanding of payment processing workflows, fluency with data, and the ability to analyze risk vectors such as merchant credit risk, transaction fraud, and compliance risks. You’ll also need foundational knowledge of card scheme compliance requirements and ongoing merchant monitoring practices. We take our responsibility to enable secure, seamless payments for our merchants and their customers seriously, and our approach is anchored in data-driven and systematic decisions to deliver exceptional payment experiences.
Responsibilities:
- Drive operational initiatives in merchant underwriting, transaction risk management, and fraud prevention
- Conduct ongoing monitoring of merchant accounts for compliance with card scheme requirements and company policies
- Analyze risk vectors including merchant credit risk, transaction fraud, and compliance risks using data-driven approaches
- Support merchant underwriting processes with comprehensive risk assessment and documentation
- Monitor transaction patterns and investigate potential fraud indicators and suspicious activity
- Manage compliance monitoring programs including PCI DSS, card scheme regulations, and regulatory requirements
- Conduct periodic merchant reviews and maintain ongoing risk assessments with systematic decision-making processes
- Assist with chargeback management and dispute resolution processes
- Prepare risk reports and compliance documentation for internal and external stakeholders
- Collaborate with cross-functional teams to deliver exceptional payment experiences through secure, seamless solutions
Qualifications:
- Bachelor’s degree from an accredited university
- 2-3 years of experience in payment processing, risk management, or financial services
- Working knowledge of card scheme compliance requirements (Visa, Mastercard, American Express)
- Understanding of merchant monitoring practices and ongoing risk assessment procedures
- Strong fluency with data analysis and ability to identify risk patterns across multiple risk vectors
- Experience with fraud detection systems and transaction monitoring tools
- Excellent written and verbal communication skills with ability to explain compliance requirements to merchants
- Familiarity with KYC/AML procedures and regulatory compliance frameworks
- Ability to drive operational initiatives and make data-driven, systematic decisions
- Experience analyzing merchant credit risk, transaction fraud, and compliance risks
Nice to haves:
- Experience with payment processing platforms or merchant acquiring systems
- Knowledge of PCI DSS compliance requirements and implementation
- Previous experience with chargeback management and dispute resolution
- Familiarity with risk management software and fraud detection tools
- Understanding of emerging payment methods including crypto and digital wallets
- Experience in merchant support and client-facing compliance communications
- Knowledge of international payment regulations and cross-border compliance requirements
Why Join Us?
- Advance your career in the dynamic and rapidly growing payments industry
- Work with cutting-edge fraud detection and compliance technologies
- Develop expertise in card scheme regulations and merchant risk management
- Enjoy a collaborative startup culture that values professional growth and innovation
- Competitive salary and comprehensive benefits package with advancement opportunities
- Be part of a team that’s defining the future of secure digital payments
