Business Analyst, Payments and Fraud

About Spokeo Spokeo is a people intelligence platform that helps over 18 million monthly visitors reconnect with friends, reunite with families, and build trust in new relationships. Thousands of companies also trust Spokeo’s 60 billion public records to improve customer research, help verify information, and prevent fraud. Founded in 2006, Spokeo has built a dedicated, remote-first team with an average tenure of 6.9 years. It has earned recognition from Comparably as a Best Company for Compensation, Employee Happiness, Perks and Benefits, Support for Women, Work-Life Balance, and CEO Leadership. About This Opportunity Spokeo is seeking a highly analytical and business-minded Business Analyst, Payments & Fraud to help drive performance, insight, and continuous improvement across our payments and fraud function. This role is a critical addition to a lean and growing team and reports directly to the SVP of Operations. You will support the Payments & Fraud organization by bringing deeper technical analytics expertise to strengthen performance monitoring, scalable reporting, and data-driven optimization initiatives. What You’ll Do Payments & Fraud Analytics

• Support and enhance the development of payments and fraud KPIs, performance reporting, and post-launch analysis of new payment features and experiments
• Write and optimize SQL queries to uncover trends, anomalies and revenue opportunities
• Translate complex data into clear, actionable recommendations for business leaders
• Build and maintain dashboards to monitor fraud trends, payment declines, and overall payment health

Fraud Strategy & Decisioning Support

• Provide analytical support to improve fraud detection and decision workflows
• Evaluate fraud rule performance, monitor alerts, and recommend data-driven improvements
• Conduct fraud trend analysis and recommend mitigation strategies

Payment Optimization & Revenue Protection

• Analyze payment decline drivers and develop decline salvage and optimization opportunities
• Support initiatives related to account updater, retry strategies and processor performance
• Identify opportunities to reduce operational costs and losses while improving authorization rates

Team Support & Collaboration

• Communicate performance insights, root cause analysis, and mitigation strategies across teams
• Serve as the analytics and reporting extension of the Payments & Fraud team, delivering timely insights that inform decision-making, performance optimization, and strategic initiatives

The Skills You’ll Have

• Highly analytical, meticulous, and proactive, with strong attention to detail
• Excellent organizational and communication skills (written and verbal)
• Ability to work in a fast-moving, lean operational environment
• Bachelor’s degree in Business, Finance, Economics, Data Analytics, or related field
• 2+ years of experience in business analytics, preferably within payments and fraud
• Strong SQL expertise and experience working with large, complex datasets
• Proven ability to deliver business insights and performance-driven recommendations
• Experience building dashboards and reporting in Tableau
• Familiarity with card-not-present (CNP) subscription-based payments preferred
• Prior experience with Cybersource Decision Manager or similar fraud decisioning tools preferred

Working at Spokeo Spokeo offers a bonus program, equity plans, and 401K. Once a year, we do a discretionary, merit-based salary increase. Additional benefits include 100% medical/dental/vision coverage and unlimited employee PTO. Spokeo extends written offers to candidates who successfully complete their selection process. Spokeo’s offers include a base salary, participation in a company bonus program, stock options, and comprehensive benefits. A final offer will depend on several factors, including, but not limited to, marketplace competition, job leveling, the candidate’s experience, skills, etc. All candidates must be authorized to work in the U.S. without the need for current or future sponsorship. Spokeo will not sponsor or take over sponsorship of employment visas at this time. Privacy Notice for Candidates: https://www.spokeo.com/recruiting-policy Spokeo is an equal opportunity employer. Applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability, or protected veteran status. Spokeo fosters a business culture where ideas and decisions from all people help us grow, innovate, create the best products, and be relevant in a rapidly changing world. Recruiters or staffing agencies: Spokeo is not obligated to compensate any external recruiter or search firm who presents a candidate or their resume or profile to a Spokeo employee without 1) a current, fully executed agreement on file, and 2) being assigned to the open position (as a search) via our applicant tracking solution.