Payment and Fraud Manager

| Pasadena
Spokeo is a people search engine that both enlightens and empowers our customers. With over 12 billion records and 18 million visitors per month, we reconnect friends, reunite families, prevent fraud, and more. Every day our nimble team takes on enormous challenges in data science that push the limits of the cloud and search architecture.

As the Payment and Fraud Manager, you will be responsible for payments operation, payments data analysis and business intelligence, risk management, business process improvement, and processor relationship management. You will lead a small team of chargeback and risk specialists to manage credit card network compliance and implement best payment practices. You will report directly to the VP of Operations and are expected to have a high impact on the organization.


  • Manage all aspects of the payments operations, including authorization, clearing, file transmission, data analysis, pricing, chargebacks, and funds reconciliation
  • Manage the activities with payment gateways and merchant bank processors
  • Manage card brand compliance
  • Work with Product and Engineering teams to improve our payment systems
  • Work with Product and Finance teams to meet our operational, service, and 
  • Monitor and improve our metrics reporting, including transaction volume, successful charges, approval rates, number of chargebacks by card type, etc. 
  • Provide business intelligence around payment optimization, decline salvage, payment experience, etc. a
  •  Perform data analysis on payments data to uncover behavioral patterns to optimize operations and identify, develop, and support both operational and strategic decisions
  • Manage a small team of chargeback & risk specialists 
  • Help implement a data-focused culture to our Payments team
  • Review, improve and automate existing processes, procedures, and workflows
  • Review and optimize the costs of payment processing, gateway, chargebacks, account updater, etc. 
  • Oversee the day-to-day management of chargebacks and fraud alerts
  • Identify and manage risk trends, system and process gaps, and optimization opportunities
  • Work with Product teams to build risk management and customer care considerations into our product roadmap
  • Manage our relationships with merchant banks, payment processors, and gateway providers
  • Identify, evaluate, and help implement new payment and fraud tools

  • A Bachelor’s degree in Business Administration and Management, Economics, Finance, Accounting, or Marketing 
  • 4+ years of experience with payment operations and risk management
  • 4+ years of experience with credit card association regulations and compliance
  • 3+ years of experience with business analysis and business intelligence
  • Experience within CNP (card not present) subscription-based business model
  • Experience with data analysis and data mining
  • Experience with vendor management (payment processors, gateway partners, etc.)
  • Experience with people management

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.
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Technology we use

  • Engineering
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    • ReactLibraries
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Our office is a short drive from downtown LA and a quick walk from the Metro Gold Line. Incredible restaurants and vibrant Old Town and the Rose Bowl!

What are Spokeo Perks + Benefits

Spokeo Benefits Overview

We take care of our team members and their families. Here’s some of what you can expect:

Spokeo covers 100% of the medical premium for employees and 80% for dependents with no waiting period

Spokeo will match 100% of your 401(k) deferral up to 3% of your annual base pay earnings. No Vesting Period to Receive Matching!

9 paid holidays
Full time employees earn 1.5 vacation days every full month worked for a total of 18 days per year.
Full time employees will receive 1 extra vacation day per year for every full year worked (up to 5 years).
Six (6) sick days per year, issued on the first of the year.

Other Perks
Flexible hours
Casual dress
Daily free catered lunch
Full pantry/fridge with endless snacks and beverages
Game room

Partners with Nonprofits
Spokeo Search Angels, scholarships, philanthropy and in the local community - including the Junior League of Pasadena, SWE, she codes, Pasadena Women In Technology, Innovate Pasadena and Rails Girls.
Eat lunch together
Daily stand up
Open door policy
Team owned deliverables
Open office floor plan
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Acme employees can contribute up to $5000 annually to their FSA.
Disability Insurance
Disability insurance covers 60% of annual salary up to $10000 monthly maximum payout.
Dental Benefits
Our dental plan covers $100 of expenses.
Vision Benefits
The vision benefits plan covers 100% for annual eye exams with $130 for glasses and contact lenses.
Health Insurance Benefits
Acme's health insurance policy covers up to 100% of out of pocket expenses.
Life Insurance
Life insurance is equal to 5 times an employee's annual salary.
Wellness Programs
Retirement & Stock Options Benefits
401(K) Matching
Company Equity
Performance Bonus
Child Care & Parental Leave Benefits
Flexible Work Schedule
Acme Co. provides employees with a flexible work schedule that includes Flexible start and end times.
Remote Work Program
Family Medical Leave
Company sponsored family events
Vacation & Time Off Benefits
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Beer on Tap
Casual Dress
Free Daily Meals
Game Room
Stocked Kitchen
Relocation Assistance
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
Tuition Reimbursement
Lunch and learns
Continuing Education stipend
Paid industry certifications

Additional Perks + Benefits

We have our very own, dedicated Culture Team that is separate from Human Resources.

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