Payments Risk Analyst

Reporting to the Risk Operations Lead, you will be responsible for daily monitoring within multiple risk queues along with various operational tasks including but not limited to:

• Manage complex transaction, merchant, onboarding, fraud, credit, and compliance cases across risk queues, owning end-to-end assessments using merchant,business, account, transaction, and other risk signals.

• Apply company, partner, supportability, and restricted-product policies to less-defined reviews with minimal direction, weighing competing factors and making sound decisions with imperfect information.

• Use reports, risk signals, case trends, operational data, and web-service tools to identify emerging threats, high-risk or suspicious activity, and opportunities for proactive mitigation.

• Balance portfolio protection and chargeback risk by assessing chargeback likelihood alongside the merchant's capacity to repay.

• Resolve compliance violations and complex cases, identify material risks, escalate unresolved issues appropriately, and contribute to resolution and follow-up.

• Identify recurring issues, control gaps, and risk patterns across tools, workflows, queues, policies, and playbooks, and recommend practical improvements.

• Produce concise case summaries, findings, recommendations, and decision rationale; maintain accurate documentation and contribute to knowledge material, playbooks, and team learning.

• Lead complex customer communications and collaborate with Support, FS Merchant Services, Product, risk analysts, and other teams to resolve shared problems.

• Contribute to incidents, complex reviews, trend investigations, projects, process improvements, and team best practices while prioritising competing work effectively.

We are looking for a highly analytical and collaborative professional with experience within a relevant analyst role along with:

• 2 years of experience in payments, fraud, credit risk, compliance, or financial services operations or related discipline.

• Exposure to structured workflows, case management, queues, or service-level targets.

• Experience working with written procedures and maintaining accurate records.

• Interest in deepening existing knowledge on fraud, credit risk, merchant risk, and payments and suggesting improvements based on said knowledge.

• Knowledge of Card Scheme rules and regulations

• Understanding of the full Chargeback flow and process - Understanding chargeback risk timeframes.

• Strong working knowledge of Excel/Google Sheets

• Good conceptual thinking with proven analytic, problem-solving and effective reporting skills

• Experience managing structured case work with increasing complexity and limited direction.

• Ability to work independently and make decisions based on available information

• Ability to work in a dynamic fast-paced environment with tight deadlines

We know that people are more than what's on their CV. If you're unsure that you have the right profile for the role... hit the 'Apply' button and give it a try!

Come live the Lightspeed Experience...

• Genuine career growth opportunities based on performance within a company that's continuously expanding

• Work with highly skilled people who are as passionate about Fraud & Risk as you are

• An environment that encourages initiatives and leadership

• Work in a team big enough for growth but lean enough to make a real impact

• Fun activities with your teammates & social events throughout the year

• Opportunity to learn, expand your skill set, forge wonderful relationships and make your mark within the diverse and inclusive Lightspeed culture, a true Canadian tech success story

... and enjoy a range of benefits that'll keep you happy and healthy:

• Lightspeed equity scheme (we are all owners)

• Flexible Paid Time Off - providing you the freedom to take time off however you like

• Private Medical Insurance and cash health plan for optical, dental and more.

• Health & Wellness Credit- expense up to 400 GBP per year towards your gym membership, yoga classes, a new bike or whatever else you do for your health

• Mental Health Support through the LifeWorks and Modern Health Apps- whether it is meditation, coaching or counselling you need - each employee gets access to this platform

• Time off to volunteer and give back to your community

• Transit / parking benefit - for when you need to travel to the Belfast office

• A variety of drinks & snacks in our offices in Belfast.

To all recruitment agencies: Lightspeed does not accept unsolicited agency resumes. If we have not directly engaged your company in writing to supply candidates for a specific vacancy, Lightspeed will not be responsible for any fees related to unsolicited resumes. Lightspeed is a proud equal opportunity employer and we are committed to creating an inclusive and barrier-free workplace. Lightspeed welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.