Payments Analyst at Clickatell

Job description

Purpose

The purpose of this role is to assist with certain daily tasks in managing the fraud and payment profile relating to payment gateways for the group as well as assisting the Payment Manager and FP&A team with reconciliations of transaction using Excel models.

The Key Responsibility Areas

• Recon’s and checking of customer balances (specifically tor post-paid and pre-paid with terms customers)
• Processing all online and EFT payments across the globe
• Creating of online invoices
• Allocating of temporary and standing overdrafts for customers
• Creating of special pricing profiles
• Manage payments processes to ensure all client payments are processed in an efficient and timely manner
• Analytics and reporting
• Fraud checking / analysis support
• Manage the number of chargebacks and analyze possible trends in certain countries and regions
• Compile volume reports and apply analysis to provide accurate and summarized reports
• Respond to system alerts that will notify you on suspicious activity based on pre-determines scenarios.
• Monitor auto approval rates across the gateway MIDS and currencies - also based on trends
• Analyze trends for fraud so that they can be detected and actioned accordingly
• Assistance on gateway payment failures
• Assist with Payment Gateway management and analysis
• Assist with the management of the rules on the payment Gateway to ensure successful purchases for legitimate purchasing customers.
• Analyze payments daily and look for suspicious payments and payments that failed that looks legitimate
• Assist with Fraud Prevention management which includes:
• Propose new rule sets to lower fraud while still giving good customer experience during the payment process
• Implement preventative measures to prohibit fraudulent activities
• Provide monthly reports on fraud and fraud prevention
• Contact suspicious customers to verify within PCI-DSS limitations whether it is a potential legitimate sale.
• Investigate all suspicious transactions, and possible Syndicates, Investigate patterns and trends
• Lock accounts and add to Internal Block lists as well as on the Gateway level and escalate to acquirer where possible

Requirements

Core Competencies:

• Excellent communication: Good interpersonal and communication skills.
• Excellent Administrative skills: Be able to work with a high level of accuracy.
• Be able to work under pressure: Deadlines are very tight, accurate reporting is a must.
• Team Work: Must be able to work as part of a team. Must be able to work reliably and responsibly with internal and external colleagues.
• Analysis and logic, systematic and orderly planning, attention to detail.
• Demonstrable experience of excel skills and good working knowledge of Word, PowerPoint, Outlook and Excel.
• Self-starter who can work with minimum of supervision.
• Ethical and principal based working methods.
• Excellent attention to detail with the ability to multi-task in a fast-paced environment- Ability to think creatively and take an innovative and flexible approach to problem solving in a fast-changing technology driven compan- Must have the ability to recognize trends and fraud behavior.

General Competencies

• Excellent negotiating skills both internally to team and externally with other departments.
• Ability to maintain confidentiality.
• Willingness to work outside of normal office hours when circumstances dictate.

Personal Characteristics

• Assertive nature
• High levels of initiative
• Customer service orientated
• Work independently, with a high degree of responsibility
• Work well under pressure and to meet deadlines
• A positive, “can do” attitude, including when under pressure.
• The ability to take a task through to completion in the allotted time.
• Willingness to assist or performs tasks outside of own job description and function as required.
• The ability to take on responsibility, ownership and be accountable for results and actions taken.
• Manage other relationships within Finance & other departments in a fair, tactful and appropriate way

Experience And Education

• A minimum of 5 years’ online payment and fraud analyst experience
• Certified Fraud Examiner Certification
• Knowledge of/and technical know-how of operating systems and Internet
• IT diploma an advantage

Benefits

• Pension fund
• Group Life
• Medical Aid
• Free Parking

Preference will be given to candidates who will enhance the diversity of the team and contribute to employment equity within the Company provided that the competencies and minimum requirements for the position have been met.