Sr. Risk Analyst (Payments)

Recruiters: Evan Barnard ([email protected]) Risk & Compliance Santa Barbara, California Dallas, Texas San Diego, California Remote, United States

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Description

Hi, We’re AppFolio

 

We’re innovators, changemakers, and collaborators. We’re more than just a software company – we’re pioneers in cloud and AI who deliver magical experiences that make our customers’ lives easier. We’re revolutionizing how people do business in the real estate industry, and we want your ideas, enthusiasm, and passion to help us keep innovating.  

 

The AppFolio Payments Risk Operations Team's goal is to evaluate AppFolio’s risk and develop scalable, effective, and efficient ways to manage and address risks and suspicious activity while maximizing AppFolio’s performance and goals. This team oversees, streamlines, optimizes, and delivers the day-to-day activities and processes focused on mitigating risk to AppFolio and it’s existing customers. The Sr. Risk Analyst supports the AppFolio Payments team in making money move in real estate safely and sustainably. 
Your impact
  • Initiate and design solutions to identify and mitigate risk and risk events for existing business lines, such as AppFolio Property Manager (APM) and Investment Management (IM), in addition to new verticals and payment methods.
  • Build, improve, and automate Risk identification and mitigation processes. This includes data-driven analysis and decision-making, developing policy and procedure, investigations, developing and maintaining reporting, scoping product enhancements, and implementing industry-standard practices.
  • Consistently maintain procedural alignment across internal teams such as Fraud, Underwriting, Compliance, Product, Engineering, Data Science, and Partnerships. 
  • Act as the main point of contact for escalations for internal teams and external payment partners.
  • Display excellent judgment and decision-making ability. 
  • Utilize complex problem-solving, advanced technical skills (SQL, Excel, Google Sheets, SQL, Tableau) to drive business decisions and reduce payment loss.
Qualifications
  • Analytical skills – Able to identify, measure, and impact the important metrics needed to monitor risk across different products; able to simplify complex content.
  • Efficiency – Able to quickly iterate on data generation and refinement. Looks for ways to improve processes to maximize efficiency and remove redundancy.
  • Proactivity – Takes action without being told what to do at each step; generates novel ideas and processes to drive the business and team forward.
  • Attention to detail – Appropriately checks all work for errors and does not let important details slip when it comes to risk investigation and its accuracy.
  • Industry Knowledge - Advanced understanding of principles and practices in Payments, Risk, and Fraud.
  • Creative problem solving - Ability to execute on high complexity problems using in-depth evaluation of varying factors and selection of appropriate methods and techniques.
  • Communication - Is comfortable advising stakeholders across functions on complex risk issues.
  • Autonomy - Exercises independent judgment in determining how to achieve results; work is reviewed by the Manager upon completion.
  • Time Management - Highly self-motivated and directed with independent work. Excellent time-management skills to drive long-term risk mitigation projects.



Must-Haves
  • BS or higher in Business, Computer Science, Mathematics, Criminal Justice, Finance, or a related field; or equivalent professional experience.
  • 5+ years of related industry experience (Payments, Fraud, Risk, Credit, Banking).
  • Advanced knowledge of SQL, Google Sheets, and Excel.
  • Data and Automation tool experience with Python, R, Streamlit, and Hex.
  • Working knowledge of Salesforce.
  • Knowledge of card brand and NACHA payment regulations, Anti-Money Laundering, and BSA/Patriot Act.
  • Certified Fraud Examiner (CFE), Certified Anti-Money Laundering (CAMS) certification, and/or Certified Payments Professional (CPP) or Certified Payments and Fraud Prevention Professional (CPFPP).
  • Advanced experience manipulating, interpreting, and analyzing large data sets to drive operational enhancements. Display data-driven decision-making abilities.
  • Organization, influence, and public speaking capabilities with cross-functional teams and leadership.

 

Compensation & Benefits
The base salary that we reasonably expect to pay for this role is: $77,600 to $97,000.
The actual base salary for this role will be determined by a variety of factors, including but not limited to: the candidate’s skills, education, experience, etc. 
Please note that base pay is one important aspect of a compelling Total Rewards package. The base pay range indicated here does not include any additional benefits or bonuses/commissions that you may be eligible for based on your role and/or employment type.

Regular full-time employees are eligible for benefits - see here.

 

Why AppFolio

Grow | We enable a culture of high performance, where delivering results is recognized by opportunities for growth and compelling total rewards. Our challenging and meaningful work drive the growth of our business, and ourselves.

Learn | We partner with you to realize your potential by investing in you from the start. We're cultivating a team of big thinkers through coaching and mentorship with our best-in-class leaders, and giving you the time and tools to develop your skills.

Impact | We are creating a world where living in, investing in, managing, and supporting communities feels magical and effortless, freeing people to thrive. We do this by innovating with purpose while cultivating a culture of impact. We learn as much from each other as we do our customers and our communities.

Connect | We excel at hybrid work by fostering an environment that feels flexible, personal and connected, no matter where we are. We create space to fuel innovation and collaboration, and we come together to celebrate, connect, and succeed.

Paddle as One.

Learn more at appfolio.com/company/careers

Statement of Equal Opportunity

At AppFolio, we value diversity in backgrounds and perspectives and depend on it to drive our innovative culture. That’s why we’re a proud Equal Opportunity Employer, and we believe that our products, our teams, and our business are stronger because of it. This means that no matter what race, color, religion, sex, sexual orientation, gender identification, national origin, age, marital status, ancestry, physical or mental disability, or veteran status, you’re always welcome at AppFolio.

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