Payment Risk Sr. Analyst

Company Overview:
If you see technology as a way to smooth your path in life, our team does too: Your Path, Our Journey.

We believe in technology that connects talented people who embrace diversity to create and share paths we don't even know about (yet). We work to generate value not only for our users but, above all, for the communities we serve and for society as a whole, making every day better for everyone with mobility and delivery services (99) or digital payments (99Pay).

To make life easier for millions of people every day, since 2018, we have been part of DiDi DiDi Global Inc., the world’s leading mobility technology platform. We are pioneers in creating innovative solutions that start in Brazil and scale up to make a positive impact in more than 12 countries where DiDi operates. This innovation encompasses sustainability, safety, artificial intelligence, financial markets, and much more.

Whether building projects from scratch or improving our solutions, we enjoy challenges that give us butterflies, which is why we work at a fast pace with respect, collaboration, and good humor. Along this journey, we also draw strength from diverse experiences and opinions to grow together, fail quickly, learn, and adjust the course to create solutions that deliver even better results.

LI-Hybrid

Team Overview:
The Risk Management team is responsible for managing diversified risk associated with our products and business flows, ranging from fraud chargeback, account take-over, promotion abuse, money laundering to compliance risk, tracking industry leading technical prevalence, developing innovative and state-of-art methodology to tackle the new challenges emerging from fintech economy ecosystem, for the purpose to protect sustainable growth and maximize business outcomes. We are looking for an experienced risk analyst to do threat intelligence monitoring, suspicious transaction analysis, and to be responsible for key loss metrics while maintaining a positive user experience.

Role Responsibilities:

- Handling the risk event detected and alerted in the system, identify the risk transaction.
- Dealing with the risk account once the risk event happens and confirmed.
- Involved in the strategic and tactical risk mitigation to avoid losses while ensuring high customer service levels.
- Working with the strategy, algorithm and customer service team to manual review and audit the false positives of the risk models to improve the user experience.
- Coordinating adverse response plan including investigations and reporting.

Role Qualifications:

- Fluent in English and Portuguese.
- 2-4 years of experience with at least 2 years of experience in risk management industry, including anti-fraud, promotion abuse, anti-money laundering.
- You have at least basic knowledge of SQL.
- Excellent written and verbal communication skills and ability to influence others.
- Experience in working autonomously and prioritizing multiple goals. Someone who is able to design risk strategies and generate insights that could serve as recommendations for other teams.

EEO Statement:

- We create customer value - We strive to always create valuable experiences for our users in everything we do. Our focus is to always innovate new experiences that are safe, pleasant, and efficient.
- We are data-driven - We are strong believers in making informed decisions, that’s why we are data-driven. We can better navigate the business landscape strategically by analyzing valuable metrics.
- We believe in Win-win Collaboration - Success is a team sport. When we work to help our partners and colleagues win, we win, too. While keeping everyone's best interest at heart, we communicate with candor and execute with excellence in all we do.
- We believe in integrity - Integrity is at the very core of our business. We are people who always want to do the right thing. Our intentions are sincere, we speak our minds and listen to each other.
- We always strive to do better. That means venturing beyond our comfort zones, learning from our mistakes, and helping each other grow.
- We believe in Diversity and Inclusion - Diversity is one of our biggest strengths. Our differences are what makes us distinct. We respect each other and believe in equal opportunities for all.

**Diversity & Inclusion**

Diversity is not a future vision or a wish for something we want someday; it is a non-negotiable value of who we are today.

We embrace inclusion, plurality, and respect, and to achieve this, we rely on the governance of the Diversity Committee, which works alongside HR, our leadership, and identity groups—99Adapta, 99Afro, 99Colors, 99Womem, and 99Familys.

This is our ongoing journey, with much more still to come.

We reinforce that this position is open to everyone, including pregnant people and people with disabilities (PwD).