Associate, Merchant Risk Operations

About the role

The Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company's growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex's mission to empower businesses globally.

Responsibilities

• The ideal candidate is someone who doesn't wait for a manual to be written; they write the manual. You are technically self-sufficient, quantitatively rigorous, and possess a bias for action that allows you to unblock yourself and our Sales partners.
• This role is based in San Francisco.
• High-Volume Execution: Own the end-to-end risk lifecycle for complex merchants. You will conduct holistic fraud and credit risk assessments, determine exposure methodologies, and manage daily case queues with high efficiency and precision.
• Quantitative Self-Sufficiency: You will write your own SQL queries to extract data, perform root-cause analysis on chargeback spikes, and identify emerging fraud trends.
• Build & Visualize: Design and maintain real-time risk dashboards (Looker, Tableau, etc.) to monitor portfolio health and provide visibility to stakeholders.
• Process Iteration: Systematically identify "toil" in our current workflows. You will proactively streamline onboarding programs and collaborate with Engineering to automate manual steps, turning insights from your daily case reviews into scalable policy changes.

Requirements

• High Agency: You have a "founder mindset." When you see a process gap or a data wall, you take it upon yourself to fix it or climb over it without being asked.
• A "Builder-Operator": You enjoy the "grind" of investigating complex cases because you know that's where the best insights for automation are found.
• Quantitatively Rigorous: You are a data-first thinker. You don't just report numbers; you understand the story they tell and the risks they hide.
• 3+ years of experience in Merchant Risk, Fraud, or Credit Risk within Fintech or Payments.
• Proficiency in SQL: You must be comfortable writing queries to join tables and extract insights independently.
• Technical

Benefits

Additional Information

About Airwallex Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 200,000 businesses worldwide - including Brex, Rippling, Navan, Qantas, SHEIN and many more - with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale. Proudly founded in Melbourne, we have a team of over 2,200 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is leading the charge in building the global payments and financial platform of the future. If you're ready to do the most ambitious work of your career, join us. Attributes We Value We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you're motivated by our mission and operating principles . You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor. You're humble and collaborative; turn zero‑to‑one ideas into real products, and you "get stuff done" end-to-end. You use AI to work smarter and solve problems faster. Here, you'll tackle complex, high‑visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let's build what's next.

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