Senior Risk Analyst

About Dodo Payments

Dodo Payments is the Monetisation Engine for AI-native products. We're a Merchant of Record + Billing & Monetization platform that helps SaaS, AI, and digital businesses accept payments globally, automate billing (subscriptions, usage-based, one-time), and stay fully compliant with taxes and regulations in 220+ countries.

We're building the growth engine that powers global digital commerce, and we're looking for a sharp, driven Senior Risk Analyst to help take that mission forward.

This is an on-site role in Bengaluru, reporting directly to the Risk Lead.

You will have weekend shifts as well.

What You'll Own

• Transaction monitoring accuracy across payments and payouts
• Fraud loss prevention for SME digital merchants post-onboarding
• Payout fraud detection and prevention outcomes
• Quality and effectiveness of fraud rules and alert thresholds
• Chargeback and dispute risk signals from live transaction data
• SLA adherence and investigation quality
  
  

If fraud slips through or escalates, this role owns fixing it.

What You'll Do

Transaction Monitoring and Investigations

• Review and investigate transaction monitoring alerts across payments and payouts
• Analyze payout transactions to identify fraud, mule activity, and abnormal fund flows
• Detect suspicious beneficiary changes, velocity abuse, and anomalous payout behavior
  
  

Ongoing Merchant Monitoring

• Perform ongoing monitoring of SME digital merchants after onboarding
• Identify early fraud indicators and take preventive action before losses or escalation
• Conduct post-onboarding risk reviews based on transaction behavior
  
  

Fraud Rules and Thresholds

• Design, review, and optimize fraud rules, alerts, and monitoring thresholds
• Tune rules to balance fraud detection, false positives, and operational efficiency
  
  

Chargebacks and Disputes Analysis

• Analyze chargeback and dispute trends to identify fraud patterns and merchant risk
• Understand dispute reason codes and differentiate fraud vs non-fraud disputes
• Assess how chargeback and dispute ratios impact merchant risk profiles
  
  

Cross-Functional Risk Mitigation

• Collaborate with Onboarding, Compliance, Operations, and Support teams
• Ensure timely risk actions including holds, restrictions, or escalations
  
  

SLAs and Documentation

• Ensure investigations are completed within defined SLAs
• Maintain clear, defensible investigation notes and audit-ready documentation
  
  

What You Bring

• 4 to 7 years of experience in payments fraud, risk operations, or transaction monitoring
• Mandatory experience working with digital merchants
• Strong hands-on experience managing alerts and fraud investigations
• Proven ability to detect payout-related fraud including mule networks and abnormal fund flows
• Strong understanding of chargebacks and disputes, including fraud vs non-fraud classification
• Clear understanding of chargeback and dispute ratio impact on merchant risk
• Experience with ongoing monitoring and post-onboarding reviews
• Deep understanding of fraud rules, thresholds, and alert tuning
• Ability to identify and stop fraud before escalation
• Strong analytical, communication, and documentation skills
• Willingness to work weekend shifts as part of a rotational schedule
  
  

Nice to Have

• Experience at payment gateways, fintechs, PSPs, or acquirers
• Familiarity with card network rules and programs including Visa and Mastercard
• Exposure to AML monitoring or regulatory-driven investigations
  
  

What This Role Is Not

• Not a passive alert-clearing role
• Not a pure AML or compliance-only position
• Not a post-incident review role without preventive ownership
  
  

Why Join Dodo Payments

• Build the growth engine for one of the fastest-growing fintechs powering global AI-native businesses.
• Direct access to founders and strategic decision-making.
• Full ownership from day one - your impact is measurable and immediate.
• Exposure to international markets and AI startup ecosystems.
• On-site role in Bengaluru's startup hub.
  
  

Perks & Benefits

• Competitive salary + performance-based commission.
• Opportunity to define Risk engine for a fast-growing fintech platform.
• High autonomy and fast decision cycles.
• Health insurance and team offsites.
  
  

Want to help build the financial rails for the next generation of AI businessesLet's talk.

Skills: risk,fraud,aml