Associate, Merchant Risk Operations

Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 150,000 businesses worldwide – including Brex, Rippling, Navan, Qantas, SHEIN and many more – with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.

Proudly founded in Melbourne, we have a team of over 1,800 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$6.2 billion and backed by world-leading investors including Visa, Airtree, Blackbird, Sequoia, DST Global, Greenoaks, Salesforce Ventures, Lone Pine, and Square Peg, Airwallex is leading the charge in building the global payments and financial platform of the future. If you're ready to do the most ambitious work of your career, join us.

We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you're motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor.

You're humble and collaborative; turn zero‑to‑one ideas into real products, and you "get stuff done" end-to-end. You use AI to work smarter and solve problems faster. Here, you'll tackle complex, high‑visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let's build what's next.

The Role:

As the Associate, Merchant Risk Operations, you will conduct a holistic risk review of Merchants in the Business Seller Segment through various workflows. (Including but not limited to case, phone, email). The holistic review will include a balanced approach of assessing risk and the merchant experience and proper documentation on new trends or riskiness. You will be working within a team environment to serve as a credible partner that makes sound decisions and provides support to team members. Working towards understanding Industry risk idiosyncrasies and providing feedback to policies makers, you will be one of key stakeholders to improve our processes and policies.

The seniority of the title may vary depending on experience - either Senior Analyst or Associate.

Responsibilities:

• Assess Fraud, Credit, and Brand Risk: Determine risk exposure calculation methodologies on existing merchants using business credit reports, financial documents, and investigative research tools.

• Monitor Credit, Fraud and Dispute Trends: Support ongoing monitoring processes for credit, fraud, and dispute/chargeback trends.

• Collaborate with Merchants: Work with merchants on chargeback or dispute solutions and provide guidance for risk performance improvement plans.

• Improve Risk Products and Policies: Provide suggestions to enhance merchant risk-related products, policies, and processes for better operational effectiveness.

• Enhance Operational SOPs and Training: Continuously improve SOPs and training materials.

• Queue Management: Oversee daily queue management of merchant risk monitoring cases, analyze lead quality, and review decision accuracy.

Qualifications:

• Experience: At least 2 years experience in fraud, credit risk, transaction or chargeback processing.

• Analytical & Problem-solving Skills: Keen attention to detail and ability to conduct thorough risk assessments.

• Project Management: Strong skills in improving processes, policies, and products.

• Independent Work: Ability to work independently in a fast-paced environment with minimal guidance.

• Team Collaboration: Team player, capable of learning new knowledge quickly and sharing them with others.

• Communication: Excellent communication skills with the ability to discuss key risk indicators and financial performance with various stakeholders.

• Language Skills: Fluent in English and Mandarin.

• Technical Skills: Experience with SQL is a bonus.

To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @ email address. Please apply only through or our official LinkedIn page.

Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.

Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don't regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.