Risk Analyst

Company Description

At Xplor, we believe that helping people make the most of each day is the most rewarding way to spend ours.

We give small and medium-sized businesses cloud-based, intuitive technology solutions that enable them to manage all the hassles of running and growing a business, so business owners can get back to doing what they love. With Xplor Pay, we help businesses get paid quickly and securely – without hidden fees. We built the tech ourselves, and our platform delivers secure, transparent, fast, and accurate payments.

We are unified by our purpose of helping people to succeed. So, when you become part of our team, you also become part of the personal connection that strengthens the relationship people have with Xplor products.

Job Description

Join our XplorPay vertical as a Risk Analyst to make a real impact every day. We say that because we know that every conversation we have, every code line we write and every interface we design is another opportunity for us to enrich our customers’ experiences.

Reporting into the Director of Risk, you will help us with the daily monitoring of merchant processing activity, as well as, conducting investigations of suspicious merchant activity that may be related to merchant(s) processing outside of or not as approved parameters. The Risk Analyst is responsible for evaluating patterns in merchant processing activity and researching against internal and external information sources that help in evaluating and identifying potentially suspicious merchant or card holder issues.

Some of the other responsibilities include:

• Review system and department generated reporting that support in identifying potential processing issues to help mitigate potential company losses.
• Answering incoming and making outgoing calls to customer base in a professional courteous manner; log and notate customer interaction; follow-up on customer inquiries and research; review faxed and emailed request and inquiries.
• Read and interpret business and financial documents.
• Analyze merchant account activity alerts generated by automated monitoring systems in order to identify suspicious transaction or processing issues
• Verbal or written communication with merchants and issuing banks necessary to make notifications or gather information to manage appropriate action to resolve an issue
• Complete assigned unit duties that include reporting, reviewing or process to take action
• Ability to multi-task, handle escalated calls and negotiate a resolution; recommend process improvements and work on special projects.
• Work with multiple computer systems while on the phone with merchants or during investigation
• Handle and address escalated calls and/or issues as they relate to risk concerns
• Ability to understand and explain merchant contract terms and conditions, as well as, Visa/MC Operating Regulations
• Perform other related duties as assigned by management

- The average base salary pay range for this position is $50,000 to $60,000

- May be considered for a discretionary annual bonus

Qualifications

What would make me a good candidate?

We are looking for curious and empathetic people. We also love to hear from people who are motivated by meaningful work, resonate with our four core values, have a positive outlook, are comfortable with ambiguity and thrive working in an ever-evolving and complex environment. We are inspired by meeting big picture thinkers and doers, people who can be both tactical and strategic, aim high and put people first in everything they do.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s degree in relevant field preferred, or at least three years related experience and/or training. Equivalent combination of education and experience will be considered. Previous risk experience is preferred.
• Ability to read and interpret documents such as credit reports, billing statements, contracts, sales agreements, memos, letters, and process and procedure documentation.
• Ability to diagnose problems and work quickly and independently, to resolve issues.

Excellent problem-solving abilities are essential

Additional Information

At Xplor, we believe that the best innovation and ideas happen at the intersections of our differences - people of diverse cultures, generations, disciplines, and lived experiences. So even if you think you do not tick all the boxes, we still encourage you to apply.

Values and Life at Xplor

Our four core values guide us from how we hire and recognize our team members to how we interact with our customers day to day:

• Make life simple
• Build for people
• Move with purpose
• Create lasting communities.

If these values sound like you, and describe people you want to work with, you will thrive at Xplor.

As an Xplorer, you will be part of a global network of talented colleagues who will support your success. We look for commonalities and shared passions and give people the tools they need to deliver great work and grow at speed.

Some of our perks and benefits are:

• 12 weeks Gender Neutral Paid Parental Leave for both primary and secondary carer
• #GiveBackDays/Commitment to social impact – 3 extra days off to volunteer and give back to your local community
• Unlimited access to LinkedIn Learning, plus regular career and growth conversations with your leader, as part of Xplor GPS
• Ongoing dedication to Diversity & Inclusion initiatives such as D&I Council, Global Mentorship Program
• Access to free mental health support
• Flexible working arrangements

Ready to apply?

To start your application, please submit your resume and we will be in touch as soon as we can. Please include the word "moonshot" at the top of your message to the Hiring Manager so that we know you took the time to read our job ad.

More about us

We're the first global platform combining SaaS with embedded payments, and tools to help businesses grow and succeed. We offer software solutions in fast-growing ‘everyday life’ verticals: Education, Fitness & Wellbeing, Field Services and Personal Services – and a global, cloud-based payments processing platform. Xplor Technologies serves over 106,000 customers that processed over $37 billion in payments, operating across 20 markets in 2023.

Good to know

To be considered for employment, you must be legally authorized to work in the location (country) you're applying for. Xplor does not sponsor visas, either at the time of hire or at any later time.

We kindly ask you to apply through our careers portal or external job boards only. Please don't send your application via email.

To learn more about us and our products, please visit www.xplortechnologies.com/us/careers.

We also invite you to check out our Candidate FAQs for more information about our recruitment process www.xplortechnologies.com/us/recruitment-faqs.

EEO and Artificial Intelligence

Please note that we do not exclusively rely on artificial intelligence (AI) when making hiring, promotion or any other employment decisions. We don’t have any AI tools in place that are capable of making these kinds of hiring decisions for us.

Xplor is proud to be an Equal Employment Opportunity employer. We're dedicated to attracting, retaining and developing our people regardless of gender identity, ethnicity, sexual orientation, disability, veteran status and age. Applications are encouraged from all sectors of the community. All Information will be kept confidential according to EEO guidelines.

Xplor is committed to the full inclusion of all qualified individuals. In keeping with our commitment, Xplor will take steps to ensure that people with disabilities are provided reasonable accommodations. Accordingly, if reasonable accommodation is required to fully participate in the job application or interview process, to perform the essential functions of the position, and/or to receive all other benefits and privileges of employment, please contact us via [email protected].

We are a 2024 Circle Back Initiative Employer – we commit to respond to every applicant.