overflow - Payment Operations & Risk Analyst
Requirements
• 1–4 years of experience in payment operations, risk analysis, fraud operations, fintech operations, financial operations, or related fields • Strong analytical and problem-solving skills with high attention to detail • Ability to analyze operational data, identify trends, and make sound judgment-based decisions • Strong organizational skills and ability to manage multiple priorities in a fast-paced environment • Excellent written and verbal communication skills with the ability to collaborate cross-functionally • Comfort working with operational systems, spreadsheets, reporting tools, and payment platforms • Ability to navigate ambiguity while maintaining operational accuracy and accountability • Self-starter mentality with strong ownership and process-oriented thinking • Alignment with Overflow’s mission, values, and commitment to operational excellence • It’d Be Nice If You Had • Experience working within fintech, payments, SaaS, banking, or financial services environments • Familiarity with payment processors such as Stripe, Adyen, Fiserv, or related platforms • Experience with chargebacks, fraud monitoring, underwriting, or transaction risk management • Exposure to nonprofit, philanthropy, or donor-advised fund ecosystems • Experience collaborating with Product or Engineering teams on operational tooling improvements • Familiarity with tools such as Excel, HubSpot, Zendesk, Linear, Notion, or similar operational systems
Responsibilities
• Manage and support Overflow’s payment operations across cash and non-cash giving workflows, including stock donations, payment processing, reconciliation, and transaction support • Analyze payment activity, operational trends, and risk indicators to identify issues, improve processes, and reduce operational friction • Review merchant and client applications, validate documentation, and support Know Your Customer (KYC) and Know Your Business (KYB) verification processes • Monitor transaction activity for fraud, chargebacks, returns, and other payment-related risks while escalating complex issues as needed • Investigate payment discrepancies, operational issues, and transaction anomalies to identify root causes and drive resolution • Support underwriting and risk review processes by analyzing financial information, business models, transaction behavior, and exposure levels • Collaborate cross-functionally with Product, Engineering, Finance, Customer Success, and Operations teams to improve payment workflows and internal systems • Assist in scoping operational improvements, documenting requirements, and supporting testing for new tooling and automation initiatives • Track operational KPIs including approval rates, chargeback ratios, payment declines, processing trends, and risk-related metrics • Support the end-to-end stock donation process including transfer coordination, liquidation tracking, payout allocation, and operational compliance • Maintain accurate operational documentation and support audit, compliance, and reporting requirements
Benefits
• Overflow’s compensation philosophy is rooted in Carta Total Compensation benchmarks, ensuring pay that is competitive by role, geography, and function. Actual compensation may vary based on factors including job-related skills, experience, interview performance, and market data. • Total compensation may also include equity, performance-based bonuses (for eligible roles), and a comprehensive benefits package. As a Series B company, we believe equity is a meaningful part of building long-term ownership—when Overflow wins, our team should share in that upside. • Overflow offers a thoughtful benefits package designed to support your well-being, growth, and life outside of work, including: • Competitive base salary with equity and bonus eligibility • Medical, dental, and vision coverage for employees and dependents • Generous paid time off and company holidays • Paid parental leave • 401(k) retirement plan • Dedicated mental health and therapy stipend to support personal well-being • Team retreats and intentional in-person gatherings throughout the year
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