Payments Underwriting & Risk Analyst

In this role, you will get to:

• Monitor merchant accounts to identify potentially fraudulent activity, and make decisions on when to hold funds or close accounts
• Conduct investigations into merchant accounts that present fraud or risk exposure to HubSpot, and make credit decisions based on the information reviewed
• Review all incoming chargebacks and assist merchants with filing rebuttals
• Gather and interpret data from credit reports, tax returns, financial statements and other documentation
• Identify patterns and trends to prevent fraud or future losses
• Engage with merchants to collect negative balances

We're looking for someone who is:

• Calm during escalated situations, and can diffuse an escalated situation
• Empathetic to the needs and challenges of our merchants
• Decisive, yet open to continual learning
• Comfortable interacting directly with our merchants and payment processing partners
• Strong at time management, able to multitask and prioritize tasks appropriately
• Detail oriented

We're seeking someone with:

• Experience in merchant underwriting and risk with a merchant processor, payment facilitator, SaaS provider or fintech company
• Familiar with a variety of online payments methods, including debit cards, credit cards, ACH and international payments
• Understanding of know-your-customer (KYC) and AML/BSA requirements, tools and best practices
• Strong knowledge of fraud schemes, fraud prevention methods, and fraud detection tools in e-commerce, fintech, or payments industries.
• Experience with analyzing high-risk transactions or data, utilizing decision-making and critical thinking skills to determine if transactions or merchants are fraudulent or legitimate.
• Experience developing and implementing fraud prevention strategies and controls to protect against fraudulent activities.
• Experience performing financial analysis using financial statements, tax returns, bank statements and other documents to assess credit risk
• Experience with both EU and U.S Payments Underwriting is a plus
• Experience working with Stripe's Connect platform is a plus

Cash compensation range: 90400-135600 USD Annually

This resource will help guide how we recommend thinking about the range you see. Learn more about HubSpot's compensation philosophy .

The cash compensation above includes base salary, on-target commission for employees in eligible roles, and annual bonus targets under HubSpot's bonus plan for eligible roles. In addition to cash compensation, some roles are eligible to participate in HubSpot's equity plan to receive restricted stock units (RSUs). Some roles may also be eligible for overtime pay. Individual compensation packages are based on a few different factors unique to each candidate, including their skills, experience, qualifications and other job-related reasons.

We know that benefits are also an important piece of your total compensation package. To learn more about what's included in total compensation, check out some of the benefits and perks HubSpot offers to help employees grow better.

At HubSpot, fair compensation practices isn't just about checking off the box for legal compliance. It's about living out our value of transparency with our employees, candidates, and community.

HubSpot Payments is a new game-changing commerce and payments solution that enables our users to get paid faster and easier, while creating a better buying experience for their customers. The solution is deeply integrated with the existing tools that make up HubSpot's CRM platform.

To ensure the success of this new product offering, HubSpot is seeking an experienced merchant underwriting & risk analyst to join our team. The underwriting and risk analyst will play a critical role in delivering a great experience for our users, while protecting HubSpot from financial losses associated with the payment processing activity of these users. This role will conduct credit analysis on prospective and existing users of our payments offering, monitor all merchant accounts and review daily reports to identify potential fraud or credit risk situations.

In this role, you will get to:

• Monitor merchant accounts to identify potentially fraudulent activity, and make decisions on when to hold funds or close accounts
• Conduct investigations into merchant accounts that present fraud or risk exposure to HubSpot, and make credit decisions based on the information reviewed
• Review all incoming chargebacks and assist merchants with filing rebuttals
• Gather and interpret data from credit reports, tax returns, financial statements and other documentation
• Identify patterns and trends to prevent fraud or future losses
• Engage with merchants to collect negative balances

We're looking for someone who is:

• Calm during escalated situations, and can diffuse an escalated situation
• Empathetic to the needs and challenges of our merchants
• Decisive, yet open to continual learning
• Comfortable interacting directly with our merchants and payment processing partners
• Strong at time management, able to multitask and prioritize tasks appropriately
• Detail oriented

We're seeking someone with:

• Experience in merchant underwriting and risk with a merchant processor, payment facilitator, SaaS provider or fintech company
• Familiar with a variety of online payments methods, including debit cards, credit cards, ACH and international payments
• Understanding of know-your-customer (KYC) and AML/BSA requirements, tools and best practices
• Strong knowledge of fraud schemes, fraud prevention methods, and fraud detection tools in e-commerce, fintech, or payments industries.
• Experience with analyzing high-risk transactions or data, utilizing decision-making and critical thinking skills to determine if transactions or merchants are fraudulent or legitimate.
• Experience developing and implementing fraud prevention strategies and controls to protect against fraudulent activities.
• Experience performing financial analysis using financial statements, tax returns, bank statements and other documents to assess credit risk
• Experience with both EU and U.S Payments Underwriting is a plus
• Experience working with Stripe's Connect platform is a plus

Cash compensation range: 90400-11300 USD Annually

This resource will help guide how we recommend thinking about the range you see. Learn more about HubSpot's compensation philosophy .

The cash compensation above includes base salary, on-target commission for employees in eligible roles, and annual bonus targets under HubSpot's bonus plan for eligible roles. In addition to cash compensation, some roles are eligible to participate in HubSpot's equity plan to receive restricted stock units (RSUs). Some roles may also be eligible for overtime pay. Individual compensation packages are based on a few different factors unique to each candidate, including their skills, experience, qualifications and other job-related reasons.

We know that benefits are also an important piece of your total compensation package. To learn more about what's included in total compensation, check out some of the benefits and perks HubSpot offers to help employees grow better.

At HubSpot, fair compensation practices isn't just about checking off the box for legal compliance. It's about living out our value of transparency with our employees, candidates, and community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates, so please don't hesitate to apply - we'd love to hear from you.

If you need accommodations or assistance due to a disability, please reach out to us using this form . This information will be treated as confidential and used only for the purpose of determining an appropriate accommodation for the interview process.

At HubSpot, we value both flexibility and connection. Whether you're a Remote employee or work from the Office, we want you to start your journey here by building strong connections with your team and peers. If you are joining our Engineering team, you will be required to attend a regional HubSpot office for in-person onboarding. If you join our broader Product team, you'll also attend other in-person events such as your Product Group Summit and other gatherings to continue building on those connections.

If you require an accommodation due to travel limitations or other reasons, please inform your recruiter during the hiring process. We are committed to supporting candidates who may need alternative arrangements

Germany Applicants: (m/f/d) - link to HubSpot's Career Diversity page here .

India Applicants: link to HubSpot India's equal opportunity policy here .

About HubSpot

HubSpot (NYSE: HUBS) is a leading customer relationship management (CRM) platform that provides software and support to help businesses grow better. We build marketing, sales, service, and website management products that start free and scale to meet our customers' needs at any stage of growth. We're also building a company culture that empowers people to do their best work. If that sounds like something you'd like to be part of, we'd love to hear from you.

You can find out more about our company culture in the HubSpot Culture Code , which has more than 5M views, and learn about our commitment to creating a diverse and inclusive workplace , too. Thanks to the work of every employee globally, HubSpot was named the #2 Best Place to Work on Glassdoor in 2022 and has been recognized for its award-winning culture by Great Place to Work, Comparably, Fortune, Entrepreneur, Inc., and more.

Headquartered in Cambridge, Massachusetts, HubSpot was founded in 2006. Today, thousands of employees across the globe work remotely and in HubSpot offices. Visit our careers website to learn more about the culture and opportunities at HubSpot.

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