DaySmart supercharges experience-based businesses with innovative, industry specific software services that power customer and revenue growth. With thousands of partners worldwide and dozens of industry awards, we provide best-in-class solutions to accelerate their business.

Position:

We are looking for a highly analytical and detail-driven Payment Risk Analyst to join our Risk & Compliance team. This role is essential to protecting our subscription-based SaaS business from financial fraud, payment abuse, and regulatory non-compliance. You will monitor and investigate suspicious transactions, manage KYC workflows, and optimize fraud detection processes at scale. If you thrive in a data-centric environment and have a passion for operational risk in digital platforms, we want to hear from you.

Responsibilities:

Fraud Detection & Transaction Monitoring

• Monitor recurring and one-time payments for suspicious behavior including stolen card usage, refund abuse, account takeovers, and bot attacks.
• Investigate anomalies in transaction and customer behavior using fraud platforms, internal tools, and custom rule sets.
• Refine risk rules and thresholds to reduce false positives while protecting against evolving fraud tactics targeting SaaS models (e.g., free trial abuse, card cycling).
• Liaise with billing, customer success, and engineering teams to improve payment integrity and minimize loss exposure.

KYC & User Verification

• Perform customer identity and documentation reviews during onboarding or account upgrades, especially for enterprise or high-risk clients.
• Conduct risk-based customer due diligence (CDD) and enhanced due diligence (EDD) for flagged or escalated users.
• Work with KYC vendors to maintain efficient and compliant identity verification flows.

Chargeback & Abuse Management

• Investigate and dispute chargebacks in collaboration with billing and customer success teams.
• Track refund and cancellation trends to identify patterns of abuse or potential product misuse.
• Maintain clear records of investigations for audit and reporting purposes.

Risk Reporting & Analysis

• Analyze fraud and KYC metrics to identify trends and recommend proactive measures.
• Develop dashboards and reports for internal stakeholders highlighting loss prevention KPIs, fraud incidents, and risk scoring effectiveness.
• Contribute to incident reviews and post-mortem analysis to strengthen future fraud prevention efforts.

Qualifications:

• Bachelor’s degree in Business, Finance, Risk Management, Data Analytics, or related field.
• 2–5 years of experience in fraud operations, risk analysis, or trust & safety within a SaaS or digital payments environment.
• Familiarity with subscription billing platforms (e.g., Stripe, Recurly, Chargebee, Zuora).
• Hands-on experience with KYC/AML platforms and fraud detection tools.
• Working knowledge of compliance frameworks and regulatory standards applicable to SaaS companies.
• Strong analytical skills; proficiency in Excel, and risk reporting tools.
• Exceptional attention to detail and problem-solving skills.

Preferred Qualifications:

• Experience handling fraud and KYC in a high-volume self-service SaaS product.
• Professional certifications: CFE, CAMS, or equivalent.
• Exposure to chargeback mitigation tools or third-party fraud prevention systems.
• Proficiency in SQL

Salary

• The salary range for this role is $75,000 to $95,000 per year. Pay is based on several factors including but not limited to education, work experience, certifications, internal equity, etc.

How You Will Work

This will be a US Remote based position. We offer flexible work arrangements including fully remote, in person or hybrid opportunities. For those looking to work in person, we have physical offices in the following cities:

• Ann Arbor, MI
• Scottsdale, AZ
• Wayne, PA
• Austin, TX

Many DaySmart employees primarily work from home, and our teams are structured to operate efficiently in a distributed environment. While we don’t always share a physical office, we work together closely through remote collaboration practices.

We maintain a highly collaborative culture and expect all employees to actively participate in meetings, discussions, and team interactions. This includes joining scheduled video calls with cameras on, contributing to conversations, and being fully present.

We believe that strong communication and visual connection are essential to maintaining alignment, accountability, and trust across our teams. At DaySmart, working remotely comes with the responsibility to show up, engage, and collaborate with intention.

Your safety is important to us!
We’ve recently identified an increase in fraudulent activity targeting individuals who have applied to positions at DaySmart. Please note that any legitimate communication regarding your application will come either from an official DaySmart email address (ending in @daysmart.com) or directly through our Applicant Tracking System.

Please refer to DaySmart Privacy Policy to learn more about how we are committed to respecting your privacy and the security of your personal information.

DaySmart is committed to creating a diverse employee environment and is a proud equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, national origin, disability, age, or veteran status.