Associate - Merchant Risk Monitoring

Airwallex (UK) Limited

Job Overview

Location

AU - Sydney

Job Type

Full-time

Full Job Description

📋 Description

• Join Airwallex, a leading global financial platform, as an Associate in our Merchant Risk Monitoring (MRM) team, playing a pivotal role in safeguarding our business and merchants from fraud, credit, and brand risks.
• As a key member of the Payment Acceptance (PA) Risk Operations, you will be at the forefront of defending the integrity of our payment ecosystem, ensuring merchants operate within established risk thresholds and card scheme regulations.
• This role offers a unique opportunity to delve into the complexities of merchant risk post-onboarding, utilizing a blend of data analysis, investigative tools, and collaborative problem-solving.
• You will be instrumental in conducting holistic risk reviews for our Business Seller segment, meticulously assessing potential fraud, credit, and brand vulnerabilities.
• Your day-to-day will involve actively managing risk queues, identifying and analyzing emerging fraud and dispute trends, and proactively partnering with merchants to implement effective remediation plans.
• A significant aspect of your contribution will be to continuously enhance our merchant risk management strategies, ensuring scalability and efficiency as Airwallex continues its rapid global expansion.
• You will leverage your analytical prowess to calculate and apply risk exposure methodologies, drawing insights from business credit reports, financial statements, Know Your Business (KYB) information, and comprehensive investigative research.
• By supporting the ongoing monitoring of fraud, dispute, and chargeback metrics, you will be crucial in identifying nascent risks and proposing robust mitigation strategies for merchants and segments exhibiting higher risk profiles.
• A core responsibility includes direct engagement with merchants, where you will guide them through chargeback and dispute resolutions, clearly articulate key risk drivers, and provide actionable advice on best practices to improve their risk performance.
• Your insights and observations will directly influence the evolution of our risk products and policies; you will provide structured feedback and recommendations to our Risk Product, Risk Policy, and Data teams, fostering a culture of continuous improvement.
• You will also contribute to the enhancement of our Standard Operating Procedures (SOPs), playbooks, and training materials, ensuring that merchant risk monitoring decisions are consistently applied, highly efficient, and meticulously documented.
• Effective queue management is paramount; you will oversee daily operations, ensure Service Level Agreements (SLAs) are met, analyze alert and lead quality, and review decision accuracy to drive superior operational outcomes.
• This role is ideal for an individual who thrives in a fast-paced, dynamic environment, possesses a keen eye for detail, and is driven by a desire to protect the financial ecosystem.
• You will collaborate closely with internal teams, including Credit Risk Operations, Consumer Fraud Risk Operations, Product, Data, and Commercial teams, to strike an optimal balance between robust risk mitigation and a seamless merchant experience.
• By joining Airwallex, you become part of a company that is revolutionizing global payments, offering a platform for ambitious individuals to undertake high-visibility projects and accelerate their career growth.
• You will be empowered to make data-driven decisions, exercise sound judgment, and contribute to building the future of global financial services.
• This position is based in Sydney or Melbourne, offering a fantastic opportunity to work within a globally recognized fintech leader.

🎯 Requirements

• Minimum of 2 years of experience in fraud operations, credit risk, transaction monitoring, chargeback/dispute processing, merchant risk, or a closely related risk operations role within fintech, payments, banking, card issuer/acquirer, or eCommerce.
• Strong analytical and problem-solving skills with exceptional attention to detail, capable of conducting thorough risk assessments using both quantitative metrics and qualitative information.
• Demonstrated ability to contribute to process, policy, or product improvements, such as enhancing SOPs, workflows, or risk controls.
• Proven ability to work independently in a fast-paced environment with minimal supervision, exercising good judgment and knowing when to escalate or seek input.
• A collaborative team player with the capacity to quickly learn new concepts and share knowledge through documentation, training, or peer support.
• Excellent written and verbal communication skills, with the ability to effectively discuss key risk indicators and financial performance with internal stakeholders and, when necessary, external partners or merchants.

🏖️ Benefits

• Opportunity to work with a leading global financial platform and contribute to its growth.
• Be part of a dynamic and innovative team focused on protecting the payment ecosystem.
• Competitive salary and benefits package.
• Professional development and career advancement opportunities within a rapidly expanding company.
• Collaborative and supportive work environment with a focus on learning and growth.

Skills & Technologies

Junior

Onsite

Degree Required

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Airwallex (UK) Limited

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About Airwallex (UK) Limited

Airwallex is a global financial technology company providing cross-border payment and banking infrastructure for businesses. It offers multi-currency accounts, foreign exchange, card issuing, expense management, and embedded finance APIs. Founded in Melbourne in 2015, the company serves enterprises and SMEs across Asia-Pacific, Europe, and the Americas, operating under licenses in multiple jurisdictions and processing billions in annualized transaction volume.

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