All-in-one digital presence for restaurants. Powering websites, online ordering, marketing, recruiting and more.
Risk Operations Analyst
Location
United States + 1 moreAll locations: United States, Canada
Posted
1 day ago
Salary
$90K - $120K / year
No structured requirement data.
Job Description
Role Description
Owner.com is building the all-in-one platform that helps independent restaurants grow and thrive. Payments are core to our mission — restaurants depend on us to reliably process orders, pay out on time, and protect them from fraud and disputes. We're scaling our payments platform and need a hands-on risk operator to help run the day-to-day:
- Monitoring transactions
- Reviewing merchant applications
- Managing disputes
- Helping us build the processes that will scale with our growth
This is an early and high-visibility role on a lean team. You'll work directly with our Head of Risk & Payments Operations and have real ownership from day one — not a queue monkey, but an operator who will help shape how we work as we grow.
Qualifications
- 3-5 years of experience in risk operations, fraud operations, payments operations, trust & safety, or a closely related function
- Hands-on experience with a transaction monitoring or fraud tooling platform (Stripe Radar, Sift, Kount, or similar) — or a clear track record of learning tools quickly and getting into the weeds
- Comfortable with spreadsheets and basic data analysis; able to pull, slice, and interpret operational data without needing someone to do it for you. SQL is a plus but not required
- Strong attention to detail — you spot patterns and anomalies in transaction data and don't let edge cases slip through
- Clear written communication: you can write a concise merchant-facing note, a tight internal escalation, and a documentation draft without a lot of hand-holding
- Process-oriented mindset: you like things documented, repeatable, and improvable. You write things down
- Comfortable with ambiguity and self-direction in a lean, fast-moving environment
- Bonus: experience with restaurant, marketplace, or platform payments; familiarity with KYB/KYC concepts; experience supporting dispute evidence submission
Requirements
- Execute daily risk operations workflows: triage merchant underwriting applications, manage the transaction monitoring review queue, and process dispute responses with accuracy and speed
- Work hands-on in Stripe Radar to build and tune fraud detection rules, manage alert thresholds, and maintain a healthy review queue
- Monitor payout operations for exceptions and anomalies — flag holds, negative balances, and edge cases before they become merchant-facing problems
- Respond to and resolve disputes and chargebacks, building and maintaining an evidence library that improves our win rate over time
- Track and report on key risk metrics — fraud rates, dispute rates, onboarding SLAs, exception aging — and surface trends before they become incidents
- Help document, improve, and operationalize risk playbooks as our program matures and volume scales
- Collaborate with Support, Product, and Engineering to resolve merchant escalations and surface systemic issues
Benefits
- The estimated base salary range for this role is $90,000 - $120,000, plus a generous pre-IPO equity package
- Comprehensive health coverage
- Remote-first workplace
- Unlimited PTO - plus extra fun perks!
Job Requirements
- 3-5 years of experience in risk operations, fraud operations, payments operations, trust & safety, or a closely related function
- Hands-on experience with a transaction monitoring or fraud tooling platform (Stripe Radar, Sift, Kount, or similar) — or a clear track record of learning tools quickly and getting into the weeds
- Comfortable with spreadsheets and basic data analysis; able to pull, slice, and interpret operational data without needing someone to do it for you. SQL is a plus but not required
- Strong attention to detail — you spot patterns and anomalies in transaction data and don't let edge cases slip through
- Clear written communication: you can write a concise merchant-facing note, a tight internal escalation, and a documentation draft without a lot of hand-holding
- Process-oriented mindset: you like things documented, repeatable, and improvable. You write things down
- Comfortable with ambiguity and self-direction in a lean, fast-moving environment
- Bonus: experience with restaurant, marketplace, or platform payments; familiarity with KYB/KYC concepts; experience supporting dispute evidence submission
- Execute daily risk operations workflows: triage merchant underwriting applications, manage the transaction monitoring review queue, and process dispute responses with accuracy and speed
- Work hands-on in Stripe Radar to build and tune fraud detection rules, manage alert thresholds, and maintain a healthy review queue
- Monitor payout operations for exceptions and anomalies — flag holds, negative balances, and edge cases before they become merchant-facing problems
- Respond to and resolve disputes and chargebacks, building and maintaining an evidence library that improves our win rate over time
- Track and report on key risk metrics — fraud rates, dispute rates, onboarding SLAs, exception aging — and surface trends before they become incidents
- Help document, improve, and operationalize risk playbooks as our program matures and volume scales
- Collaborate with Support, Product, and Engineering to resolve merchant escalations and surface systemic issues
Benefits
- The estimated base salary range for this role is $90,000 - $120,000, plus a generous pre-IPO equity package
- Comprehensive health coverage
- Remote-first workplace
- Unlimited PTO - plus extra fun perks!
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