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Onboarding Risk Analyst

| Chicago

About Us:

Braintree builds products that make payments easier—so easy that they fade into the background, making entirely new kinds of interactions possible. Interactions like seamlessly paying for your ride share—or the condo you rented this weekend—without presenting a card or pressing a button, or buying a lamp on Pinterest...right from Pinterest. The Braintree full-stack payment platform lets companies build their own experiences and then scale their businesses around the globe. We're known for our technology but we're also known for our support, with internal risk and underwriting, account management and technical support teams who ensure a frictionless payments experience.

Acquired by PayPal in 2013, Braintree is now in an even greater position to change the way people pay. Headquartered in Chicago, Braintree has offices in San Francisco, New York, Sydney, London with employees stationed around the world.

The best talent deserves the best perks. Join the Braintree Team and you’ll get catered lunches, tuition reimbursement, public transit commute reimbursement, and much more! 

Check us out - Braintree on LinkedIn | Glassdoor | Facebook | Twitter


About the Role: 

This individual will be part of Braintree’s Onboarding team and will be responsible for reviewing new merchant applications with less than $1MM in annual processing volume applying for payment processing services. The Onboarding Risk Analyst will leverage data from external reports, merchant websites and internal vetting rules to form an analysis and final vetting decisions. The position will require to stay knowledgeable on regulatory vetting policies and procedures, keep up with evolving payment processing regulatory requirements, and to inform management on current trends.

Key Responsibilities of the Role:

  • Make sound, timely decisions based on merchant applications, Braintree’s internal vetting rules, acceptable use policy, and regulatory obligations
  • Complete different checks KYC/CIP checks, fraud checks, business checks as part of Braintree’s application processing and able to make an accurate decision on risk and compliance for adherence.
  • Provide input to improve Merchant Vetting policies and procedures
  • Provide regular updates to management regarding trends, fraud schemes, stolen identity trends and changes recognized during the day to day Merchant Vetting activities
  • Work efficiently, accurately, and consistently to defined processes
  • Build strong working relationships with internal and external stakeholders
  • Maintain a solid working knowledge of Braintree’s Acceptable Use Policy (AUP), Card Scheme rules, regulatory obligations, and internal processes


  • Quick learner and passion for merchant processing and payments industry.
  • Excellent attention to detail, with accurate data entry skills and technically savvy
  • Experience in banking, merchant services, or acquiring role preferred
  • A passion for delivering outstanding customer service
  • Ability to work under pressure
  • Well-developed written and verbal communication skills
  • Advanced Excel and Word skills
  • Enjoy the challenges that a growing company brings
  • Strong reconciliation skills

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply. You can also check out our FAQ!

Read Full Job Description

Technology we use

  • Engineering
    • GolangLanguages
    • JavaLanguages
    • JavascriptLanguages
    • PythonLanguages
    • RubyLanguages
    • ClojureLanguages
    • RustLanguages
    • ReactLibraries
    • ReduxLibraries
    • Node.jsFrameworks
    • Ruby on RailsFrameworks
    • DropwizardFrameworks
    • CassandraDatabases
    • PostgreSQLDatabases
    • S3Databases


222 Merchandise Mart Plaza, Chicago, IL 60654

An Insider's view of Braintree

What projects are you most excited about?

Braintree is committed to continual improvement in the areas of D&I. We do this by emphasizing our values of Ask Why, Care A Lot, and Solve Together, Ensuring D&I is an ongoing conversation at all levels of the company, offering company-wide D&I trainings, and supporting employee developed events.

Anna Johnson

Diversity & Inclusion Program Manager

How do you empower your team to be more creative?

Working on internal products, I have a direct feedback channel to my teammates, to help fix things when they aren't quite right. Seeing this multiplier effect in action, seeing how it unlocks my teammates to new productive ends, is extremely satisfying.

Andrew Harris

Software Engineer

What are Braintree Perks + Benefits

Friends outside of work
Eat lunch together
Intracompany committees
Daily stand up
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Open office floor plan
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity manifesto
Someone's primary function is managing the company's diversity and inclusion initiatives
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Retirement & Stock Options Benefits
401(K) Matching
Company Equity
Employee Stock Purchase Plan
Performance Bonus
Match charitable contributions
Child Care & Parental Leave Benefits
Child Care Benefits
Acme Co. provides Backup child care assistance.
Generous Parental Leave
Family Medical Leave
Adoption Assistance
Company sponsored family events
Acme co. sponsors family oriented events Annually.
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Volunteer Time
Paid Holidays
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Free Daily Meals
Game Room
Stocked Kitchen
Professional Development Benefits
Job Training & Conferences
Tuition Reimbursement
Diversity Program
Cross functional training encouraged
Promote from within
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