Senior Payment Risk Analyst (Fintech)

Location: New York, United States; on-site

Company

Polymarket operates a CFTC-regulated prediction market exchange where users trade on outcomes across politics, economics, sports, culture, and current affairs.

What you will do

• Investigate payment fraud cases across deposits, withdrawals, and settlement payouts, making decisions on holds, reversals, and account actions.
• Monitor transaction data around high-volume market events and distinguish normal spikes from abuse.
• Write and tune fraud rules, set quantitative thresholds, and track risk metrics.
• Audit the payment stack, identify control gaps, and work with Engineering, Compliance, Legal, and InfoSec to close them.
• Manage risk-related relationships with processors, card networks, and banking partners, including chargeback disputes and compliance inquiries.
• Prepare risk memos, committee reporting, policies, runbooks, and ongoing documentation.

Requirements

• 8+ years of hands-on experience in payments risk, fraud risk, or transaction monitoring within fintech, banking, exchanges, payments, or other regulated financial services.
• Direct experience with ACH, wire transfers, Visa, Mastercard, and at least one real-time payment rail such as RTP or FedNow.
• Working knowledge of BSA/AML fundamentals, SAR filing, structuring detection, and transaction monitoring systems.
• Experience setting and defending quantitative risk thresholds, including velocity limits and chargeback ratios.
• Experience auditing payment stacks end to end and building cases for control improvements.
• Strong written communication skills for risk memos and senior-stakeholder reporting.

Nice to have

• Experience in CFTC-regulated environments or derivatives and exchange contexts.
• Background in high-growth environments with rapidly scaling payment volumes.
• Exposure to crypto- or blockchain-adjacent payment flows.

Culture & Benefits

• Competitive salary and equity.
• Unlimited PTO.
• Full health, vision, and dental coverage.
• 401(k) match.
• New MacBook Pro, display, and accessories.