Risk Operations Analyst

Owner.com

9d•$90,000 - $120,000•Remote

About The Position

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, and 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. This role is 100% remote and can be based anywhere in the United States or Canada.

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.

Nice To Haves

experience with restaurant, marketplace, or platform payments; familiarity with KYB/KYC concepts; experience supporting dispute evidence submission.

Responsibilities

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.